# FIRST SOUTHERN NATIONAL BANK
LANCASTER, KY · FDIC certificate 2700 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.28B | |
| Deposits | $1.12B | |
| Loans and leases | $793.7M | |
| Total equity | $148.9M | |
| Loans / deposits | 69.80% (p16 of band) | 87.10% |
| Liquid assets / assets | 35.06% (p83 of band) | |
| Uninsured deposits / deposits | 30.47% (p49 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.14% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.85% (p58 of band) | 10.50% |
| Unrealized securities loss / equity | -17.64% (p24 of band) | -7.75% |
| AOCI / equity | -0.33% (p48 of band) | |
| ROA (annualized) | 0.82% (p20 of band) | 1.26% |
| Net interest margin | 4.95% (p94 of band) | 3.70% |
| Efficiency ratio | 62.36% (p61 of band) | |
| Noncurrent loans | 0.61% (p58 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p56 of band) | |
| Reserve coverage of noncurrent | 281.42% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 24.59% (p22 of band) | |
| Auto loans | $13.5M (1.70% of loans; DQ 2.27%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 1.8% | |
| Employees | 230 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 3 | deposits shrinking, assets shrinking |  |
| 2014-06 | 2 |  | reserve under noncurrent |
| 2014-09 | 2 |  |  |
| 2014-12 | 0 |  | deposits shrinking, assets shrinking |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | reserve under noncurrent |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 | capital falling | reserve under noncurrent |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-12 | 3 | uninsured deposits leaving |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, uninsured deposits leaving |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | capital falling |  |
| 2023-12 | 0 |  | securities losses >30% of equity, capital falling |
| 2024-03 | 1 | securities losses >30% of equity |  |
| 2024-06 | 0 |  | securities losses >30% of equity |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | reserve under noncurrent |  |
| 2026-06 | 0 |  | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2021-02-22 [First Southern National Bank (KY) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMikgFBVV95cUxNQUtVZldlOEhOdVh5NkpubEg1YWZPVzVHOEVBWXhaZEk0UFg3bjRZUTlNY0J2LUpMOTVNWTl0MXdDWHNwTzF3UWlJeGF3N3VWQ3RDM1F0WlNtcTNkV1lycm5yX3E2V25PVjNsa0c4OUgzVWhaQXVIYUtXV2ZzX0x0WUh5eE9odWdjQ014Vk9PMUxvQQ?oc=5) · SmartAsset
- 2019-04-30 [Newport Golf Club sold to Kentucky bank; future of course still up in the air - Valley News](https://news.google.com/rss/articles/CBMickFVX3lxTE5nZE5QNWtKQThnRzNNTFphazdCd2hQZHdKNmZYSUk4ZkctdE9pMUpCOWFielQtMTBvMmc4TkF3a2cxVWhZUlFVY1RSVG9zWVRXR3BVdVNGcmVsNE4xV0hkV2ZsQ0owbGc4dHZsS1NlQjBydw?oc=5) · Valley News
- 2017-12-28 [New Lender in Lincoln County – Griffin takes on new role - The Interior Journal](https://news.google.com/rss/articles/CBMingFBVV95cUxPWDdqdkNiclkyVmxOXzRZY2Y4R3ZkNzQ1RllXSkdibjJ2bzR4TjRVSjdkUWIyQVQ0V2Q0T21QUFc0Z0hURDAxZlFBeGZ6Nm5ybHhoTEJneVdjRkVnMzl3d0k2ZW13LXdwSGFSeGJpUEozczV2QjN1ZzUzMlNNQlQ3QVJ1M2psZmZvSklKYVB3Z08xZHRaWnZlR3RLTndkQQ?oc=5) · The Interior Journal
- 2022-02-21 [Barbara Nell Perry Carney - Leader-News](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9yXzU3akdycXVIaFJUTnJOdkxYTFVta2szZnFmVEt6UlQyb0JWcXE2SXRKVGJmeGVaYy12bENDcFJjX3c2WmtDUWNESUtpVV9xWE9pU2xlTktSLW9hai1sVWp3?oc=5) · Leader-News
- 2022-02-28 [Cole William Lanigan Obituary Feb 28, 2022 - Morris & Hislope Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5HMmVCdnF2U3d5ZGg1M2RxSnFzUEZVeGtJUjlXNzZNNXZZSERZMlZRM1RvMVBCVFZRa0tKWTdLMWtPTFBKbGZZYlE0aExnTHlYM2tjLWtiTWRkSEM4elg2bnZETDJ5NFk?oc=5) · Morris & Hislope Funeral Home
- 2011-09-28 [Bank fraud reports flood police - Statesboro Herald](https://news.google.com/rss/articles/CBMie0FVX3lxTFBmQW1MRUt4NzVXaVQ0ekJ1b29jcUdNX3h6b2FlT0lKQk1fQVNneVZ5N1Nnd1FROGstMkpCZEZibHZIa1hWUzZSVlQtZm1SVEVia2U2SG1SVE51cmMyeFVWSzc4MFBRN0VtTDNhaldIYU4xMWdiaFR4dHU2VQ?oc=5) · Statesboro Herald
- 2026-08-20 [Angeline Henry Trust Fund Benefits Six Local Groups (w/PHOTOS) - WPKY](https://news.google.com/rss/articles/CBMirgFBVV95cUxNUjYwMDJYUUtaN2pEOEpVeVJidlgwMm1HbmVZd2tFakRiNHl6dzlBZl9jeWNMTDJaZUJNZWtOMXJlMnhrcnRrNk9takRWbGJ1Rk9jYWs0U3lCdU15NzJSV1ZFeGJ1RHBUd0hNcTVhMHVXTEFBaW1qVlFuXzY2SWNZSDdQUWF6YzVYZkFpYzR0QUdwZFdHNnQya1RsNy1EZ09nVlNsRnlOdTZmd2JBOFE?oc=5) · WPKY

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2700 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/12.json (key "2700", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide