First Southern National Bank (FDIC #2700): Bank Stress & Real-Estate Credit Exposure

First Southern National Bank (FDIC Cert #2700): bank stress 68/100, elevated, STABLE over 7 days; parent FIRST SOUTHERN BCORP INC.

First Southern National Bank (#2700) lends in 12 counties across 1 state; First Southern National Bank (#2700) reaches 98 ZIP codes: Kentucky 12 counties, 98 ZIPs.

First Southern National Bank (#2700) largest markets: Fayette County, KY (19 branches, 19 ZIPs) (#2700), Muhlenberg County, KY (34 branches, 17 ZIPs) (#2700), Christian County, KY (15 branches, 15 ZIPs) (#2700), Lincoln County, KY (22 branches, 11 ZIPs) (#2700), Pulaski County, KY (11 branches, 11 ZIPs) (#2700), Warren County, KY (9 branches, 9 ZIPs) (#2700).

First Southern National Bank (#2700) reports $1.28 billion in total assets; First Southern National Bank (#2700) equity $148.9 million (11.6% of First Southern National Bank (#2700) assets); First Southern National Bank (#2700) domestic deposits $1.12 billion; First Southern National Bank (#2700) net income $5.2 million; First Southern National Bank (#2700) return on assets 0.82%; First Southern National Bank (#2700) return on equity 7.06%; First Southern National Bank (#2700) net interest income $29.1 million; First Southern National Bank (#2700) call report June 30, 2026.

First Southern National Bank (#2700) noncurrent real-estate loans 0.03% of its book; First Southern National Bank (#2700) residential 0.04%; First Southern National Bank (#2700) net charge-offs on real estate 0.44%; First Southern National Bank (#2700) residential charge-offs 0.18%.

First Southern National Bank (#2700) net interest margin 4.95% against an eight-quarter First Southern National Bank (#2700) average of 4.41% (First Southern National Bank (#2700) compression -0.54 points); First Southern National Bank (#2700) real-estate loans 2.6% of equity; First Southern National Bank (#2700) non-residential real estate 17.8% of equity; First Southern National Bank (#2700) rate-exposure score 40/100, First Southern National Bank (#2700) fixed-rate trap 40/100; First Southern National Bank (#2700) risk type credit driven; First Southern National Bank (#2700) rate regime rates elevated, First Southern National Bank (#2700) snapshot October 19, 2026.

First Southern National Bank (#2700) stress score moved from 52 on June 22, 2026 to 68.4 on October 19, 2026; First Southern National Bank (#2700) ranged 52 to 68.4 over 116 snapshots.

First Southern National Bank (#2700) alerts: 12 counties; top First Southern National Bank (#2700) alert scores: Bowling Green County, KY 23 (low); Greenville County, KY 23 (low); Hopkinsville County, KY 23 (low); Lancaster County, KY 23 (low); Lexington County, KY 23 (low).