First Southern National Bank: how it compares with its peers
Against 21 KY banks with half to twice its assets, First Southern National Bank's strongest measure in Q2 2026 is net interest margin (4.95% vs. a 3.81% peer median). Its weakest relative measure is return on assets (0.82% vs. 1.33%).
| Measure | First Southern National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.82% | 1.33% | Bottom third Ahead of 5% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.95% | 3.81% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.36% | 56.02% | Bottom third Ahead of 33% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $6.4M | Bottom third Ahead of 14% of peers |
| Loans to deposits Net loans and leases over total deposits. | 69.80% | 78.72% | Context |
What it means for lending operations
Its efficiency ratio of 62.36% is above the 56.02% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Community Financial Services Bank Benton, KY · $1.37B
- Edmonton State Bank Glasgow, KY · $1.15B
- The Monticello Banking Company Monticello, KY · $1.07B
- The Paducah Bank and Trust Company Paducah, KY · $1.07B
- The Farmers National Bank of Danville Danville, KY · $990M
- The Cecilian Bank Cecilia, KY · $1.59B
Questions about First Southern National Bank
How big is First Southern National Bank?
First Southern National Bank, established in 1865, is headquartered in Lancaster, KY. It reported $1.28B in total assets in its Q2 2026 FDIC call report and operates 17 offices.
What is First Southern National Bank's return on assets?
0.82% annualized in Q2 2026, against a 1.33% median for 21 KY banks with half to twice its assets, ahead of 5% of them.
What is First Southern National Bank's efficiency ratio?
62.36% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 56.02%, and lower is better.
Is First Southern National Bank growing its loans?
Net loans grew 5.0% over the year to Q2 2026, while deposits grew 1.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.