First Southern National Bank (KY)

First Southern National Bank (KY)

Overview / Commentary
27 Public Square
Lancaster, KY 40444

First Southern National Bank (KY) is headquartered in Lancaster and is the 18th largest bank in the state of Kentucky. It is also the 906th largest bank in the nation. It was established in 1865 and as of March of 2019, it had grown to 218 employees at 18 locations. First Southern National Bank (KY) has a B+ health rating.

Reviews (1)

Good Local Bank

First Southern National Bank has been a pleasure to work with. The staff got to know me very quickly, and they worked with me to find me a banking option that did not come with monthly fees. They have an online portion of the website complete with online checking, which is very important to me. When I would come in to cash or deposit checks the employees usually asked about my family, and they always had cooking and sweets (juices during periods of high temperatures). Overall banking here was a great experience - my only regret is that I moved and they did not have a location near me.


Health Grade Components

FDIC Certificate #2700
Year Established1865
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.28%
Return on Equity - YTD11.73%
Annual Interest Income$9.4MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$861.2MM$870.0MM
LoansQ1 2019vs Q1 2018$612.5MM$587.4MM
DepositsQ1 2019vs Q1 2018$760.4MM$771.5MM
Equity CapitalQ1 2019vs Q1 2018$94.0MM$89.0MM
Loan Loss AllowanceQ1 2019vs Q1 2018$8.0MM$7.5MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$3.7MM$2.4MM
Real Estate OwnedQ1 2019vs Q1 2018$0$0

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