$799M
+7.1%y/y
Percentile by value19th percentileby value
FDIC
LNLSGRFS
First Southern National Bank
Lancaster, KentuckyFDIC Cert #2700
OCCEstablished 186517 branches
Holding company: FIRST SOUTHERN BCORP INCRegulator: OCC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $101M |
| Investor CRE | $147M |
| Multifamily | $37.2M |
| Construction | $36.6M |
| 1–4 family | $338M |
| C&I | $76.2M |
| Agriculture | $38.4M |
| Other | $25.2M |
Loan book
Reported balances and balance-sheet intensity.
$787M
+7.1%y/y
Percentile by value19th percentileby value
FDIC
LNLSNET+7.10%
+235.4%y/y
Percentile by value54th percentileby value
FDIC
LNLSNET70.8%
+4.1%y/y
Percentile by value19th percentileby value
FDIC
LNLSNET + DEP61.6%
+1.9%y/y
Percentile by value20th percentileby value
FDIC
LNLSNET + ASSET88.86%
−0.1%y/y
Percentile by value65th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
150%
−10.5%y/y
Percentile by value19th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC25%
−12.5%y/y
Percentile by value22nd percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,440points
−4.5%y/y
Peer standing23rd percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD12.58%
+13.2%y/y
Percentile by value48th percentileby value
FDIC
LNRENROW + LNLSGR18.43%
−10.9%y/y
Percentile by value48th percentileby value
FDIC
LNRENROT + LNLSGR9.53%
+2.4%y/y
Percentile by value41st percentileby value
FDIC
LNCI + LNLSGR