BlastPoint's Banking Scorecard

First Southern National Bank

$1B-$10B Specialty: Commercial KY FDIC cert 2700

Designations: ✓ Community bank

Lancaster, KY

17 branches across KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in KY.
Deposits +1.8% year over year ($1.1B on the books).
Delinquency rate 0.62%.
Return on assets 0.82%.
Efficiency ratio 62.36% vs a 59.73% peer average.
Loan-to-deposit ratio 69.80% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in KY

View $1B-$10B leaderboard (KY) →

First Southern National Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 1.08% above tier average
+ Delinquency Rate 0.25% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 2.3% in tier
- Credit Risk Growth: Bottom 22.4% in tier
- Efficiency Ratio 2.63% above tier average

Get updates when First Southern National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$1.3B +3.5% YoY +0.4% QoQ	-$1.5B	$2.8B -0.6% YoY	$707.7M +4.5% YoY	$6.3B +7.7% YoY	21%
Total Loans ?	$780.1M +5.0% YoY -0.9% QoQ	-$1.2B	$2.0B -0.3% YoY	$500.8M +5.4% YoY	$3.2B +9.4% YoY	Bottom 12.4% in tier
Total Deposits ?	$1.1B +1.8% YoY +0.6% QoQ	-$1.2B	$2.3B -0.5% YoY	$593.9M +4.1% YoY	$4.9B +7.3% YoY	24%
Return on Assets ?	0.82% -55.7% YoY -47.5% QoQ	-0.57%	1.39% +17.0% YoY	1.28% +12.5% YoY	1.30% +12.1% YoY	19%
Net Interest Margin ?	4.95% +12.9% YoY +6.0% QoQ	+1.08%	3.87% +6.2% YoY	3.93% +6.2% YoY	3.95% +4.9% YoY	Top 5.8% in tier
Efficiency Ratio ?	62.36% +3.2% YoY -4.8% QoQ	+2.63%	59.73% -12.6% YoY	64.24% -3.9% YoY	70.05% +2.5% YoY	39%
Delinquency Rate ?	0.62% +25.0% YoY -62.6% QoQ	-0.25%	0.87% +11.7% YoY	0.91% +20.0% YoY	0.98% +16.3% YoY	43%
Loan-to-Deposit Ratio ?	69.80% +3.1% YoY -1.4% QoQ	-15.24%	85.04% -0.1% YoY	81.25% +1.1% YoY	79.03% +2.3% YoY	85%
Non-Interest-Bearing Deposit Share ?	21.42% -2.3% YoY -1.3% QoQ	+0.15%	21.27% -1.5% YoY	23.27% -2.3% YoY	21.98% -0.6% YoY	58%
Nonperforming Asset Ratio ?	0.40% +34.6% YoY -61.1% QoQ	-0.27%	0.67% +11.7% YoY	0.64% +23.9% YoY	0.69% +15.8% YoY	52%
Tier 1 Capital Ratio ?	18.33% +9.3% YoY +3.2% QoQ	+3.48%	14.84% -0.4% YoY	16.76% +11.6% YoY	17.09% +0.8% YoY	Top 10.7% in tier
Non-Interest Income / Assets ?	0.41% -3.0% YoY +67.5% QoQ	-0.12%	0.53% +2.5% YoY	0.31% +0.1% YoY	0.66% +5.2% YoY	71%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Noninterest-Bearing	21.4% -0.5pp YoY -0.3pp QoQ	+0.1pp	21.4%	23.5%	22.2%	58%
Brokered Deposits	n/a	n/a	9.5%	5.4%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
C&I	10.0% +0.6pp YoY +0.3pp QoQ	-4.0pp	14.0%	8.6%	12.5%	44%
CRE	40.1% +2.0pp YoY -0.8pp QoQ	-10.0pp	50.0%	37.1%	41.4%	25%
1-4 Family	43.8% -1.8pp YoY +0.8pp QoQ	+17.4pp	26.4%	41.6%	31.3%	85%
Consumer	3.4% -0.3pp YoY +0.1pp QoQ	-1.4pp	4.7%	4.8%	5.0%	76%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
CET1 Ratio	18.3% +1.6pp YoY +0.6pp QoQ	+2.7pp	15.6%	20.2%	19.7%	88%
Leverage Ratio	10.8% +1.3pp YoY -0.1pp QoQ	-0.5pp	11.3%	14.0%	12.6%	57%
Total Capital Ratio	19.6% +1.6pp YoY +0.6pp QoQ	+2.9pp	16.7%	21.3%	20.8%	88%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Full-Time Employees	230 +3 (+1.3%) YoY +3 (+1.3%) QoQ	-84	313	105	482	48%
Assets per Employee ($)	$5.6M +2.2% YoY -0.9% QoQ	-$4.9M	$10.5M	$6.3M	$8.8M	8%
Branch Count	17 0 YoY 0 QoQ	-3	20	8	18	57%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% 0.0pp YoY -0.4pp QoQ	0.0pp	0.2%	0.3%	0.4%	88%
Nonaccrual	0.4% +0.1pp YoY -0.7pp QoQ	-0.4pp	0.8%	0.8%	1.0%	42%
Allowance Coverage	2.81x -10.7% YoY +199.1% QoQ	-15.90x	18.71x	7.45x	20.23x	61%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	56%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
ROE	7.1% -11.5pp YoY -6.4pp QoQ	-5.5pp	12.6%	13.3%	11.6%	16%
Cost of Funds (YTD)	0.8% -0.2pp YoY 0.0pp QoQ	-1.1pp	1.9%	1.7%	1.7%	3%
Net Income ($, YTD)	$5.2M -53.9% YoY — QoQ	-$14.0M	$19.2M	$5.1M	$40.4M	13%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Margin Compression

decline

#3 of 85 • Bottom 2.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.82%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

85 of 85 Mid-Market banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#91 of 402 • Bottom 22.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

Net Interest Margin

profitability

Value: 4.95%

Peer Median: 3.87%

#52 of 885 Top 5.8% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 18.33%

Peer Median: 14.84%

#96 of 885 Top 10.7% in $1B-$10B

135

Loan-to-Deposit Ratio

liquidity

Value: 69.80%

Peer Median: 85.04%

#135 of 885 Top 15.1% in $1B-$10B

Top Weaknesses (4 metrics)

776

Total Loans

size

Value: $780.11M

Peer Median: $1.96B

#776 of 885 Bottom 12.4% in $1B-$10B

716

Return on Assets

profitability

Value: 0.82%

Peer Median: 1.39%

#716 of 885 Bottom 19.2% in $1B-$10B

696

Total Assets

size

Value: $1.28B

Peer Median: $2.79B

#696 of 885 Bottom 21.5% in $1B-$10B

670

Total Deposits

size

Value: $1.12B

Peer Median: $2.32B

#670 of 885 Bottom 24.4% in $1B-$10B