B
First Southern National Bank
Rating Date
June 2025
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Major Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.6 on a scale of 0 to 10). Excellent current capitalization (8.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.5 and a capital leverage ratio of 9.6.
Other Rating Factors: A current level of 2.2 percent of nonperforming loans to core capital combined with 5.1 percent from a year earlier contributes to the Excellent asset quality (7.9). Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 1.8 has resulted in Good (7.0) profitability.
Asset Mix: Home mtgs (25%), securities (23%), comm re (20%), cash (11%), comm loans (6%), consumer loans (2%), home eq lns (2%), other (12%)
States with Branches: KY
Asset Quality
Non-Performing Loans to Capital
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Hot Money
Corporate Info
Group Affiliation
First Southern Bancorp, Inc.
Investment Rating
--
Address
27 Public Square
Lancaster, KY 40444
Phone Number
(859) 792-2134
Year Founded
1865
FDIC Number
Website
Largest Affiliates
No affiliate information available.