Is First Southern National Bank Safe?
First Southern National Bank has a Bank Health Score of 93/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while loan quality is its weakest area (80/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.76% | 98/100 |
| Nonperforming Loan Ratio | 0.98% | 80/100 |
| Liquidity Ratio | 32.91% | 100/100 |
| Return on Assets | 1.76% | 90/100 |
| Total Assets | $1.2B | |
How does First Southern National Bank compare?
With a Bank Health Score of 93/100, First Southern National Bank sits 23.0 points above the national average of 70/100 for FDIC-insured banks. Within Kentucky, where 103 FDIC-insured banks are headquartered, First Southern National Bank ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 14.76% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.98% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First Southern National Bank's Bank Health Score improved by 5.0 points to 93/100. Tier 1 capital strengthened by 1.21 percentage points to 14.76%. Quarter-over-quarter, the score rose by 2.0 points.
First Southern National Bank has a Bank Health Score of 93/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while loan quality is its weakest area (80/100).