BlastPoint's Banking Scorecard
First Southern National Bank
Designations: ✓ Community bank
Lancaster, KY
17 branches across KY
First Southern National Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.85% above tier average
- + ROA 0.20% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 51.2% in tier
- - Efficiency Ratio 4.42% above tier average
- - Delinquency Rate 0.77% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+5.1% YoY
+1.6% QoQ
|
-$1.5B |
$2.8B
-0.1% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
22% |
| Total Loans ? |
$787.0M
+7.1% YoY
+1.1% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 14.1% in tier |
| Total Deposits ? |
$1.1B
+2.9% YoY
+1.4% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
24% |
| Return on Assets ? |
1.57%
-13.0% YoY
-36.2% QoQ
|
+0.20% |
1.37%
+19.6% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
74% |
| Net Interest Margin ? |
4.66%
+8.4% YoY
+4.8% QoQ
|
+0.85% |
3.82%
+6.9% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
Top 8.8% in tier |
| Efficiency Ratio ? |
65.49%
+2.1% YoY
+2.1% QoQ
|
+4.42% |
61.06%
-4.6% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
32% |
| Delinquency Rate ? |
1.66%
+332.6% YoY
+74.0% QoQ
|
+0.77% |
0.89%
+14.1% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
Bottom 12.4% in tier |
| Loan-to-Deposit Ratio ? |
70.82%
+4.1% YoY
-0.3% QoQ
|
-13.39% |
84.20%
+0.3% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
21.71%
-3.4% YoY
+1.3% QoQ
|
+0.42% |
21.29%
-2.5% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
59% |
| Nonperforming Asset Ratio ? |
1.03%
+344.8% YoY
+74.8% QoQ
|
+0.36% |
0.67%
+15.6% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
20% |
| Tier 1 Capital Ratio ? |
17.75%
+9.3% YoY
+4.7% QoQ
|
+2.59% |
15.16%
+2.0% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
Top 12.6% in tier |
| Non-Interest Income / Assets ? |
0.24%
+83.5% YoY
-64.8% QoQ
|
-0.01% |
0.26%
+1.6% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
80% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.