The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 7 points (75 → 68), mostly because the earnings component weakened by 41 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Kentucky

Yes. First Southern National Bank is an FDIC-insured institution (FDIC certificate #2700). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.5% of deposits ($340.6M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.85%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.58% (benchmark: 10%).

Check how much of your own balance is covered

First Southern National Bank lists 14 offices in 13 cities. Most locations:

• Stanford, KY (2)
• Bowling Green, KY (1)
• Central City, KY (1)
• Greenville, KY (1)
• Hopkinsville, KY (1)
• Lancaster, KY (1)
• Lexington, KY (1)
• Monticello, KY (1)
• Nicholasville, KY (1)
• Princeton, KY (1)
• Richmond, KY (1)
• Russellville, KY (1)

All branch addresses and map

Legal name

First Southern National Bank

Former names

First Southern National; The National Bank of Lancaster; First Southern National Bank of Garrard County

Type

National bank

FDIC certificate #

2700

RSSD ID

702612

Primary regulator

OCC

Holding company

First Southern Bcorp Inc

Established

April 13, 1865

Headquarters

27 Public Sq, Lancaster, KY 40444

Website

www.fsnb.net

Employees

230