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Bank, Lancaster, KY
First Southern National Bank
A bank based in Lancaster, KY. Its commercial book is led by non-owner-occupied CRE and owner-occupied CRE. Public files show recent multifamily and 1-4 unit investor loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $418M
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- 12
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- Not reported
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $1.28B
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 859-792-2134 From the lender's website, retrieved November 9, 2026. Source page
- Website
- www.fsnb.netFrom the FDIC record, November 9, 2026.
- Commercial lending page
- fsnb.netFrom the lender's website, retrieved November 11, 2026.
- Address
- 27 Public Sq, Lancaster, KY 40444FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Some recorded lending
Some recorded lending. One public file shows loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 21.9% to $96.3M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 11.1% to $77.8M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Unused commitments on commercial real estate rose 4.5% to $37M in the year to June 30, 2026.Call report commitments. Not a measure of new lending. | FDIC call report |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Madison County, AL | Purchase, 150 or more units | $30M | 7.26% | 3 yr | 60% | HMDA 2025 |
| 2025 | Jessamine County, KY | Refinance, 5 to 24 units | $2.3M | 7.5% | 1 yr | 60% | HMDA 2025 |
| 2025 | Christian County, KY | Purchase, 5 to 24 units | $1.5M | 7.25% | 20 yr | 61% | HMDA 2025 |
| 2025 | Madison County, KY | Purchase, 5 to 24 units | $1.2M | 7.5% | 20 yr | 81% | HMDA 2025 |
| 2025 | Garrard County, KY | Refinance, 5 to 24 units | $600K | 7.75% | 2 yr | 66% | HMDA 2025 |
| 2025 | Christian County, KY | Refinance, 5 to 24 units | $500K | 7.55% | 1 yr | 45% | HMDA 2025 |
| 2025 | Garrard County, KY | Refinance, 5 to 24 units | $360K | 7.25% | 2 yr | 58% | HMDA 2025 |
| 2025 | Warren County, KY | Refinance, 5 to 24 units | $280K | 7% | 5 yr | 59% | HMDA 2025 |
| 2025 | Christian County, KY | Refinance, 5 to 24 units | $260K | 7.25% | 1 yr | 56% | HMDA 2025 |
| 2025 | Garrard County, KY | Purchase, 5 to 24 units | $220K | 7.65% | 12 yr | 82% | HMDA 2025 |
| 2025 | Madison County, KY | Purchase, 5 to 24 units | $220K | 7% | 20 yr | 72% | HMDA 2025 |
| 2025 | Garrard County, KY | Refinance, 5 to 24 units | $120K | 7.5% | 2 yr | 83% | HMDA 2025 |
| 2024 | Warren County, KY | Refinance, 5 to 24 units | $1.8M | 7.25% | 1 yr | 92% | HMDA 2024 |
| 2024 | Warren County, KY | Refinance, 5 to 24 units | $1M | 7.5% | 2 yr | 65% | HMDA 2024 |
| 2024 | Warren County, KY | Refinance, 5 to 24 units | $960K | 7.95% | 3 yr | 62% | HMDA 2024 |
| 2024 | Warren County, KY | Purchase, 5 to 24 units | $940K | 8% | 5 yr | 87% | HMDA 2024 |
| 2024 | Warren County, KY | Purchase, 5 to 24 units | $940K | 8% | 5 yr | 86% | HMDA 2024 |
| 2024 | Warren County, KY | Purchase, 5 to 24 units | $920K | 7.45% | 20 yr | 86% | HMDA 2024 |
| 2024 | Kentucky | Refinance, 5 to 24 units | $600K | 8.15% | 1 yr | 67% | HMDA 2024 |
| 2024 | Christian County, KY | Refinance, 5 to 24 units | $500K | 7.85% | 1 yr | 51% | HMDA 2024 |
| 2024 | Mercer County, KY | Purchase, 5 to 24 units | $460K | 7.75% | 5 yr | 76% | HMDA 2024 |
| 2024 | Catoosa County, GA | Refinance, 25 to 49 units | $400K | 7.25% | 1 yr | 33% | HMDA 2024 |
| 2024 | Madison County, KY | Refinance, 5 to 24 units | $300K | 7.99% | 3 yr | 40% | HMDA 2024 |
| 2024 | Christian County, KY | Refinance, 5 to 24 units | $260K | 7.3% | 1 yr | 56% | HMDA 2024 |
| 2024 | Barren County, KY | Purchase, 5 to 24 units | $200K | 8% | 15 yr | 34% | HMDA 2024 |
| 12 multifamily loans made in 2025 | $37.6M | HMDA 2025 | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $38.0M | 4.8% | +117.9% |
| Construction and land development | $36.6M | 4.6% | +5.6% |
| Owner-occupied CRE | $96.3M | 12.1% | +21.9% |
| Non-owner-occupied CRE | $141M | 17.8% | -6.5% |
| Farmland | $28.1M | 3.5% | -8.2% |
| Commercial and industrial | $77.8M | 9.8% | +11.1% |
| Commercial total | $418M |
Reference only: $342M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $447M |
| Q4 2023 | $452M |
| Q1 2024 | $446M |
| Q2 2024 | $418M |
| Q3 2024 | $408M |
| Q4 2024 | $414M |
| Q1 2025 | $392M |
| Q2 2025 | $383M |
| Q3 2025 | $393M |
| Q4 2025 | $426M |
| Q1 2026 | $428M |
| Q2 2026 | $418M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 12 | $37.6M | $430K | $30M | HMDA, |
| Multifamily, 5 or more units | 2024 | 15 | $9.53M | $505K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 148 | $22.1M | $105K | HMDA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI).
Programs on record: Federal Home Loan Bank member, Cincinnati district (FHFA).
Undrawn commitments
FFIEC Call Report, June 30, 2026
- First Southern National Bank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $11,144,000 for 1-4 family residential construction and $25,865,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $27,521,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 762 | $15.0M |
| Over $100,000 up to $250,000 | 76 | $7.11M |
| Over $250,000 up to $1 million | 46 | $14.8M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 105 | $5.14M |
| Over $100,000 up to $250,000 | 116 | $14.3M |
| Over $250,000 up to $1 million | 122 | $44.1M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 80 | $2.90M |
| Over $100,000 up to $250,000 | 88 | $9.16M |
| Over $250,000 up to $500,000 | 34 | $6.50M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 295 | $5.64M |
| Over $100,000 up to $250,000 | 15 | $1.13M |
| Over $250,000 up to $500,000 | 7 | $1.80M |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Kentucky HQ | 17 | 11 | 138 | 0 | 0 |
| Alabama | 0 | 1 | 5 | 0 | 0 |
| Tennessee | 0 | 0 | 2 | 0 | 0 |
| Arizona | 0 | 0 | 1 | 0 | 0 |
| Florida | 0 | 0 | 1 | 0 | 0 |
| Michigan | 0 | 0 | 1 | 0 | 0 |
| County | Recorded loans | Dollars |
|---|---|---|
| Warren County, KY | 7 | $6.80M |
| Christian County, KY | 5 | $3.06M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Bowling Green, KY | 7 | $6.80M |
| Clarksville, TN-KY | 5 | $3.06M |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- First Southern National Bank has 14 offices in 12 counties and 1 state (FDIC Summary of Deposits, June 30, 2026): 14 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Lincoln County, KY | 2 | 0 |
| Muhlenberg County, KY | 2 | 0 |
| Caldwell County, KY | 1 | 0 |
| Christian County, KY | 1 | 0 |
| Fayette County, KY | 1 | 0 |
| Garrard County, KY | 1 | 0 |
| Jessamine County, KY | 1 | 0 |
| Logan County, KY | 1 | 0 |
| Madison County, KY | 1 | 0 |
| Pulaski County, KY | 1 | 0 |
| Warren County, KY | 1 | 0 |
| Wayne County, KY | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $22.7M | $13.0M to $29.3M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 142.8% | 83.0% to 298.6% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 24.2% | 21.7% to 85.4% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 71.0% | 67.9% to 96.0% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $37.0M | $22.2M to $120M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn, up 4.5% from a year earlier. | FDIC call report, |
| Loans to assets | 61.9% | 62.1% to 81.1% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| The Farmers National Bank of Danville | KY | $990M | $393M |
| Community Financial Services Bank | KY | $1.37B | $425M |
| The Paducah Bank and Trust Company | KY | $1.07B | $582M |
| The Cecilian Bank | KY | $1.59B | $633M |
| The Monticello Banking Company | KY | $1.07B | $445M |
| Forcht Bank, National Association | KY | $1.65B | $569M |
| Heritage Bank, Inc. | KY | $1.99B | $994M |
| Cumberland Valley National Bank & Trust Company | KY | $816M | $364M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. First Southern National Bank, FDIC certificate 2700. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $1.28B in total assets and $418M in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 175 recorded loans from the HMDA file, in 2024 and 2025: 12 HMDA multifamily 2025, 15 HMDA multifamily 2024, 148 HMDA 1-4 unit investor 2025. Each has its source and date. [How each file was tied to First Southern National Bank]
- Phone and website. Phone 859-792-2134, from the lender's website on November 9, 2026. Website fsnb.net, from the FDIC record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- Office of the Comptroller of the Currency
- FDIC certificate
- 2700
- RSSD
- 702612
- LEI
- 549300C853H86L248593
- The Lender Report ID
- lr_001263
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $1.3B in total assets as of June 30, 2026 (FDIC call report).
- Held $418.3M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $141.5M of non-owner-occupied commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $96.3M of owner-occupied commercial real estate loans as of June 30, 2026, up 21.9% from a year earlier (FDIC call report).
- Held $77.8M of commercial and industrial loans as of June 30, 2026, up 11.1% from a year earlier (FDIC call report).
- Originated 12 multifamily loans totaling $37.6M in 2025 (HMDA).
6 more sentences
- Originated 15 multifamily loans totaling $9.5M in 2024 (HMDA).
- Originated 148 1-4 unit investor or business-purpose loans totaling $22.1M in 2025 (HMDA).
- Listed 17 offices in 1 state (FDIC).
- Held 884 commercial and industrial loans that were $1 million or less when made, with a balance of $36.9M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 343 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $63.5M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $11.1M for 1-4 family and $25.9M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, First Southern National Bank, https://lender.report/lender/first-southern-national-bank-ky/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- HMDA, 2025
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FDIC Summary of Deposits, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem