B
The First National Bank of Russell Springs
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
10.31
Return On
Assets
1.12%
Total
Assets
438.41M
Capital
39.26M
Total
Deposits
395.92M
Net
Income
3.62M
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Weiss Ratings The First National Bank of Russell Springs
Russell Springs, KY 		Click to
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Rating B
Asset Quality Index 8.70
Capitalization Index 9.00
Liquidity Index 1.50
Profitability Index 5.70
Stability Index 5.70
Company Info The First National Bank of Russell Springs
Russell Springs, KY 		Click to
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FDIC Number 2767
Phone Number (270) 866-4343
Website www.fnbrs.com/
Asset Quality The First National Bank of Russell Springs
Russell Springs, KY 		Click to
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1-Year Asset Growth 20.09%
5-Year Asset Growth 14.62%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 0.10%
Non-Performing Loans to Capital 0.09%
Non-Performing Loans to Loans 0.14%
Balance Sheet The First National Bank of Russell Springs
Russell Springs, KY 		Click to
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Total Assets 438.41M
Total Deposits 395.92M
Capital and Reserves The First National Bank of Russell Springs
Russell Springs, KY 		Click to
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Capital 39.26M
Leverage Ratio 10.31
Loan Loss Reserves to Loans 1.01%
Risk-Based Capital Ratio --
Liquidity The First National Bank of Russell Springs
Russell Springs, KY 		Click to
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Hot Money Ratio 32.31%
Liquidity Ratio 13.65%
Profitability The First National Bank of Russell Springs
Russell Springs, KY 		Click to
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5-Year Return on Average Assets 1.23%
Net Income 3.62M
Net Interest Spread 3.20%
Operating Profit to Average Assets 1.49%
Overhead Efficiency Ratio 52.50%
Return on Assets 1.12%
Return on Equity 13.11%