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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Hazard, KY · FDIC certificate #31197
FIRST FS&LA is an FDIC-insured institution based in Hazard, KY (FDIC certificate #31197). In its Q3 2026 Call Report it reported total assets of $78M, total deposits of $55M and net loans of $71M. Its primary federal regulator is OCC.
Reported facts
Deterministic ratios for FIRST FS&LA from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $55M |
|---|---|
| Net loans and leases | $71M |
Plain-language readout
FIRST FS&LA in Hazard, KY funds its loans with $55M of deposits and holds $71M of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.
No capital, liquidity or asset-quality ratios are reported for FIRST FS&LA in Q3 2026; none is estimated.
The loan-to-deposit ratio computed from net loans and total deposits was 129.21% in Q3 2026, against 127.42% in Q1 2026. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $71M | $55M | 129.21% |
| Q2 2026 | $73M | $57M | 129.14% |
| Q1 2026 | $78M | $61M | 127.42% |