First Southern National Bank is a bank based in Lancaster, Kentucky, established in 1865, with $1.3 billion in total assets across 17 branches. By Trust Grade it ranks 17th of 120 banks we track in Kentucky. Its capital ratio of 11.6% is stronger than 73% of similarly sized banks, versus a Kentucky median of 9.6%. It was profitable over the most recent period, with a 1.57% return on assets. No consumer complaints against First Southern National Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First Southern National Bank compares to Kentucky peers
How we graded First Southern National Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.6% capital ratio)
- Strongly profitable (ROA 1.57%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First Southern National Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (17)
- 15 N Highway 27, Somerset, KY 42503
- 27 Public Sq, Lancaster, KY 40444
- 894 Richmond Plz, Richmond, KY 40475
- 130 W Broad St, Central City, KY 42330
- 101 W Washington St, Princeton, KY 42445
- 103 Vincent Dr, Stanford, KY 40484
- 15 N Highway 27, Somerset, KY 42503
- 102 W Main St, Stanford, KY 40484
- 894 Richmond Plz, Richmond, KY 40475
- 88 S Bethel St, Russellville, KY 42276
- 3060 Harrodsburg Rd, Lexington, KY 40503
- 204 Fairfield Dr, Nicholasville, KY 40356
- 401 N Main St, Greenville, KY 42345
- 1214 Ashley Cir, Bowling Green, KY 42104
- 4259 Fort Campbell Blvd, Hopkinsville, KY 42240
- 3060 Harrodsburg Rd Ste 205, Lexington, KY 40503
- 100 N Main St, Monticello, KY 42633
Are deposits at First Southern National Bank insured?
Yes. First Southern National Bank is an FDIC-insured bank (FDIC certificate #2700). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First Southern National Bank: frequently asked questions
Is First Southern National Bank a good bank?
First Southern National Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (11.6% capital ratio); Strongly profitable (ROA 1.57%).
Is First Southern National Bank FDIC-insured?
Yes. First Southern National Bank is a FDIC-insured bank (FDIC certificate #2700). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First Southern National Bank?
First Southern National Bank holds $1.3 billion in total assets, ranking 17th of 120 banks we track in Kentucky. It operates 17 branches.
Does First Southern National Bank have CFPB complaints?
No CFPB complaints against First Southern National Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
