TellerScore

The First National Bank of Russell Springs is a national bank headquartered in Russell Springs, Kentucky, in business for about 120 years. At the end of Q2 2026 it reported $475.2M in total assets and $409.0M in deposits, with 3 offices.

Based on its Q2 2026 filing, The First National Bank of Russell Springs scores 73/100, which we describe as strong. That is higher than 53% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 60th. Its strongest component is problem-loan coverage (98/100; 0.8%), and its lowest is funding & liquidity (46/100; 84% loans-to-deposits, 42% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Tier 1 leverage ratio: 10.52%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.11%
Earnings78/100
Return on assets (annualized): 1.45%
Funding & liquidity46/100
Loans ÷ deposits and uninsured-deposit share: 83.9% · 42.1% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.82%

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.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (72 → 73).

TellerScore
707375Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202474
Q4 202474
Q1 202571
Q2 202572
Q3 202572
Q4 202570
Q1 202671
Q2 202673
Tier 1 leverage ratio
5.00%8.13%11.26%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.25%
Q3 202411.26%
Q4 202410.69%
Q1 202510.08%
Q2 202510.33%
Q3 202510.31%
Q4 202510.18%
Q1 202610.08%
Q2 202610.52%
Noncurrent loans
0.01%0.13%0.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.05%
Q3 20240.09%
Q4 20240.04%
Q1 20250.04%
Q2 20250.02%
Q3 20250.01%
Q4 20250.24%
Q1 20260.11%
Q2 20260.11%
Return on assets
0.98%1.22%1.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.13%
Q3 20241.13%
Q4 20241.16%
Q1 20250.98%
Q2 20251.07%
Q3 20251.14%
Q4 20251.24%
Q1 20261.29%
Q2 20261.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$475.2M10.52%0.11%1.45%83.9%
Q1 202671$469.5M10.08%0.11%1.29%79.4%
Q4 202570$465.1M10.18%0.24%1.24%74.3%
Q3 202572$438.4M10.31%0.01%1.14%78.3%
Q2 202572$417.0M10.33%0.02%1.07%75.0%
Q1 202571$433.0M10.08%0.04%0.98%67.5%
Q4 202474$405.6M10.69%0.04%1.16%70.8%
Q3 202474$365.1M11.26%0.09%1.13%81.1%
Q2 202475$356.6M11.25%0.05%1.13%78.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

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

Capital ratio10.52%
42nd
Total risk-based capital0.00%
24th
Problem loans0.11%
73rd
Net charge-offs0.01%
49th
Return on assets1.45%
63rd
Net interest margin3.56%
31st
Efficiency ratio46.7%
89th
Loans to deposits83.9%
41st
Uninsured deposits42.1%
9th
Loan-loss reserves0.96%
22nd
Texas ratio0.8%
72nd

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Pbt BancorpBank Hazard, KY28 out of 100, Low$473.2M8.2%2.66%vs
Eclipse Bank, Inc.Bank Louisville, KY61 out of 100, Moderate$485.7M9.5%0.31%vs
Springfield State BankBank Springfield, KY79 out of 100, Strong$486.9M14.0%0.56%vs
United Cumberland BankBank Whitley City, KY71 out of 100, Strong$460.2M11.5%1.39%vs
Meade County BankBank Brandenburg, KY65 out of 100, Moderate$458.4M8.8%0.19%vs
River City Bank, Inc.Bank Louisville, KY74 out of 100, Strong$494.9M11.7%0.36%vs

Deposit insurance

Is my money safe at The First National Bank of Russell Springs?

Yes. The First National Bank of Russell Springs is an FDIC-insured institution (FDIC certificate #2767). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 42.1% of deposits ($172.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.52%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

The First National Bank of Russell Springs lists 3 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
The First National Bank of Russell Springs
Type
National bank
FDIC certificate #
2767
RSSD ID
173641
Primary regulator
OCC
Holding company
First Bcorp Inc
Established
January 1, 1906
Headquarters
36 W Steve Wariner Dr, Russell Springs, KY 42642
Employees
36

Quick answers

The First National Bank of Russell Springs: common questions

Is The First National Bank of Russell Springs FDIC insured?

Yes. The First National Bank of Russell Springs is an FDIC-insured institution (FDIC certificate #2767). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First National Bank of Russell Springs's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The First National Bank of Russell Springs ever failed?

There is no failure record for FDIC certificate #2767 in the FDIC failed bank list.

How many branches does The First National Bank of Russell Springs have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Russell Springs

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of JamestownBank Jamestown, KY84 out of 100, Strong$263.8M13.0%0.02%vs
Citizens Bank of Cumberland County, Inc.Bank Burkesville, KY84 out of 100, Strong$94.9M12.3%0.51%vs
United Citizens Bank of Southern KentuckyBank Columbia, KY81 out of 100, Strong$286.2M12.1%0.43%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs
Citizens Bank & Trust CompanyBank Campbellsville, KY79 out of 100, Strong$383.4M13.1%0.57%vs
Taylor County BankBank Campbellsville, KY77 out of 100, Strong$243.8M12.9%0.97%vs