The First National Bank of Russell Springs: how it compares with its peers
Against 54 KY banks with half to twice its assets, The First National Bank of Russell Springs's strongest measure in Q2 2026 is assets per employee ($13.2M vs. a $6.0M peer median). Its weakest relative measure is net interest margin (3.56% vs. 3.89%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.45% | 1.28% | Middle third Ahead of 56% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.56% | 3.89% | Bottom third Ahead of 31% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 46.68% | 58.28% | Top third Ahead of 93% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $13.2M | $6.0M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.93% | 84.06% | Context |
What it means for lending operations
Its efficiency ratio of 46.68% is better than the 58.28% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Pbt Bancorp Hazard, KY · $473M
- Eclipse Bank, Inc. Louisville, KY · $486M
- Springfield State Bank Springfield, KY · $487M
- United Cumberland Bank Whitley City, KY · $460M
- Meade County Bank Brandenburg, KY · $458M
- River City Bank, Inc. Louisville, KY · $495M
Questions about The First National Bank of Russell Springs
How big is The First National Bank of Russell Springs?
The First National Bank of Russell Springs, established in 1906, is headquartered in Russell Springs, KY. It reported $475M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The First National Bank of Russell Springs's return on assets?
1.45% annualized in Q2 2026, against a 1.28% median for 54 KY banks with half to twice its assets, ahead of 56% of them.
What is The First National Bank of Russell Springs's efficiency ratio?
46.68% in Q2 2026: it spent about 47 cents in noninterest expense for each dollar of revenue. The peer median is 58.28%, and lower is better.
Is The First National Bank of Russell Springs growing its loans?
Net loans grew 21.5% over the year to Q2 2026, while deposits grew 8.5%.
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.