BlastPoint's Banking Scorecard
First Southern National Bank
Community
Specialty: Commercial
KY
FDIC cert 2700
Lancaster, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
First Southern National Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 1% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 31% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+3.7% YoY
+0.3% QoQ
|
-$133.9M |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
62% |
| Total Loans ? |
$778.4M
+2.8% YoY
+2.5% QoQ
|
-$197.0M |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
56% |
| Total Deposits ? |
$1.1B
+1.0% YoY
-1.0% QoQ
|
-$68.5M |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
63% |
| Return on Assets ? |
2.46%
+110.9% YoY
+21.4% QoQ
|
+1.30% |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
4.45%
+9.3% YoY
+0.5% QoQ
|
+0.79% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
64.15%
-6.0% YoY
+2.3% QoQ
|
+1.52% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? |
0.95%
+84.6% YoY
+116.8% QoQ
|
+0.32% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
71.02%
+1.8% YoY
+3.5% QoQ
|
-12.04% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
21.43%
-4.1% YoY
-1.8% QoQ
|
+0.38% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.59%
+83.0% YoY
+121.5% QoQ
|
+0.09% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
33% |
| Tier 1 Capital Ratio ? |
16.96%
+11.1% YoY
+0.3% QoQ
|
+6.72% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
Top 14% in tier |
| Non-Interest Income / Assets ? |
0.69%
+17.5% YoY
+24.7% QoQ
|
-0.05% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#1 of 371 · Top 1% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.46%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Concerns (1)
Credit Risk Growth
risk
#200 of 642 · Bottom 31% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Return on Assets
Current: 2.46% · Tier avg: 1.16%
86
86th pctile
Tier 1 Capital Ratio
Current: 16.96% · Tier avg: 10.24%
86
86th pctile
Net Interest Margin
Current: 4.45% · Tier avg: 3.66%
79
79th pctile
Loan-to-Deposit Ratio
Current: 71.02% · Tier avg: 83.06%
69
69th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
63
63th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
62
62th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 21.43% · Tier avg: 21.05%
56
56th pctile
Total Loans
Current: $778.4M · Tier avg: $975.5M
44
44th pctile
Efficiency Ratio
Current: 64.15% · Tier avg: 62.63%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.59% · Tier avg: 0.50%
27
27th pctile
Delinquency Rate
Current: 0.95% · Tier avg: 0.63%
Top Weaknesses
27
27th pctile
Delinquency Rate
Current: 0.95% · Tier avg: 0.63%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.59% · Tier avg: 0.50%
44
44th pctile
Efficiency Ratio
Current: 64.15% · Tier avg: 62.63%
56
56th pctile
Total Loans
Current: $778.4M · Tier avg: $975.5M
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 21.43% · Tier avg: 21.05%
62
62th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
63
63th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
69
69th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
79
79th pctile
Loan-to-Deposit Ratio
Current: 71.02% · Tier avg: 83.06%
86
86th pctile
Net Interest Margin
Current: 4.45% · Tier avg: 3.66%
86
86th pctile
Tier 1 Capital Ratio
Current: 16.96% · Tier avg: 10.24%
97
97th pctile
Return on Assets
Current: 2.46% · Tier avg: 1.16%