First Southern National Bank
Lancaster, KY · Owner: First Southern Bcorp Inc
$1.3B
total assets, June 30, 2026
$1.3B
total assets, June 30, 2026
First Southern National Bank is a national bank based in Lancaster, KY, owned by First Southern Bcorp Inc. As of June 30, 2026 it held $1.3 billion in assets and $1.1 billion in deposits; assets were up 3.5% from a year before. It has 14 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$1.3B
+3.5% in a year · +0.4% in a quarter
Deposits
$1.1B
+1.8% in a year · +0.6% in a quarter
Loans
$794M
+5.1% in a year · -0.7% in a quarter
Profit so far
$5.2M
Jan 1 to Jun 30, 2026 · -53.9% in a year
Capital ratio
10.85%
+1.29 pts in a year
Return on assets
0.82%
-1.04 pts in a year
Facts
- Type
- National bank
- Head office
- 27 Public Sq, Lancaster, KY, 40444
- County
- Garrard
- Holding company
- First Southern Bcorp Inc
- Established
- Apr 13, 1865
- Employees
- 230
- Branches
- 14
- Website
- www.fsnb.net
- Id
- b2700
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
14 offices as of June 30, 2026, holding $1.1 billion in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Kentucky | 14 | $1.1B | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| Bethel Branch | Russellville, KY | $214M |
| Stanford Branch | Stanford, KY | $135M |
| Stanford Branch | Stanford, KY | $114M |
| First Southern National Bank (main office) | Lancaster, KY | $88.4M |
| Monticello Branch | Monticello, KY | $87.1M |
| Princeton Main Branch | Princeton, KY | $77.0M |
| Somerset Branch | Somerset, KY | $76.8M |
| Nicholasville Branch | Nicholasville, KY | $72.6M |
| Richmond Branch | Richmond, KY | $62.5M |
| Central City Branch | Central City, KY | $61.3M |
Related pages
Questions and answers
How big is First Southern National Bank?
$1.3 billion in total assets and $1.1 billion in deposits as of June 30, 2026, with assets up 3.5% from a year before. Its loans were $793.7 million.
How many branches does First Southern National Bank have?
14 branches in Kentucky as of June 30, 2026.
Is First Southern National Bank profitable?
Yes: it earned $5.24 million from January 1 to June 30, 2026 (down 53.9% from the same months a year before). Its return on assets was 0.82% a year; about 1% is typical.
Who owns First Southern National Bank?
First Southern National Bank is owned by First Southern Bcorp Inc, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.