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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Russell Springs, KY · FDIC certificate #2767
FIRST NB OF RUSSELL SPRINGS is an FDIC-insured institution based in Russell Springs, KY (FDIC certificate #2767). In its Q3 2026 Call Report it reported total assets of $464M, total deposits of $418M and net loans of $359M. Its primary federal regulator is OCC.
Plain-language readout
FIRST NB OF RUSSELL SPRINGS has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $475M in Q2 2026 and were lowest at $464M in Q3 2026.
Total deposits were highest at $425M in Q1 2026 and lowest at $409M in Q2 2026.
Over the whole period total assets fell 1.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $464M | $418M | $359M | 1.48% | 16.61% | 3.63% |
| Q2 2026 | $475M | $409M | $343M | 1.45% | 16.37% | 3.56% |
| Q1 2026 | $470M | $425M | $338M | 1.29% | 14.68% | 3.41% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $38.3M | $40.4M | -$2.2M | -5.4% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $83.5M | $82.5M | +$1.0M | +1.2% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $343.3M | $337.8M | +$5.5M | +1.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.1M | $2.0M | +$80K | +4.0% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $8.0M | $6.8M | +$1.2M | +18.3% |
| Total assets | $475.2M | $469.5M | +$5.7M | +1.2% |
| Liabilities | ||||
| Total deposits | $409.0M | $425.2M | -$16.2M | -3.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $20.0M | $0K | +$20.0M | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.2M | $3.0M | +$202K | +6.7% |
| Total liabilities | $432.2M | $428.2M | +$4.0M | +0.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $900K | $900K | $0K | 0.0% |
| Surplus | $1.0M | $1.0M | $0K | 0.0% |
| Retained earnings | $47.0M | $45.8M | +$1.3M | +2.7% |
| Accumulated other comprehensive income | -$5.9M | -$6.3M | +$384K | +6.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $43.0M | $41.3M | +$1.6M | +4.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $381K | $381K | $0K | 0.0% |
| Adjusted nonperforming assets | $381K | $381K | $0K | 0.0% |
| Tangible equity plus allowance | $46.3M | $44.6M | +$1.7M | +3.7% |
| Texas ratio (gross) | 0.82% | 0.85% | -0.03 pts | See points |
| Texas ratio (adjusted) | 0.82% | 0.85% | -0.03 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.82% | 0.85% | -0.03 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 10.52% | 10.08% | +0.45 pts | See points |
| Construction and land loans to total capital | 88.07% | 80.62% | +7.46 pts | See points |
| Commercial real estate to total capital | 288.51% | 279.43% | +9.08 pts | See points |
| Dividend payout, year to date | 19.06% | 0.00% | +19.06 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -16.20% | -17.70% | +1.50 pts | See points |
| Liquidity | ||||
| Core deposits | $343.8M | $335.6M | +$8.2M | +2.4% |
| Non-core funding | $85.3M | $89.6M | -$4.4M | -4.9% |
| Loans to core deposits | 100.83% | 101.64% | -0.81 pts | See points |
| Loans to deposits | 84.74% | 80.22% | +4.52 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 87.28% | 85.03% | +2.26 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $85.3M | $89.6M | -$4.4M | -4.9% |
| Earnings | ||||
| Earnings before provision, year to date | $4.6M | $2.1M | +$2.5M | +121.1% |
| Earnings before provision, single quarter | $2.5M | $2.1M | +$436K | +21.1% |
| Provision for credit losses, year to date | $60K | $60K | $0K | 0.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.83% | 6.76% | +0.08 pts | See points |
| Yield on interest-bearing balances due from banks | 4.36% | 3.48% | +0.88 pts | See points |
| Total interest income to average assets | 5.85% | 5.57% | +0.28 pts | See points |
| Cost of interest-bearing transaction accounts | 1.75% | 1.81% | -0.06 pts | See points |
| Cost of savings and money market deposits | 2.13% | 2.07% | +0.06 pts | See points |
| Cost of time deposits | 4.18% | 4.19% | -0.01 pts | See points |
| Total interest expense to average assets | 2.24% | 2.32% | -0.08 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $464M | $418M | $359M | 1.48% | 16.61% | 3.63% |
| 2026-06-30 | $475M | $409M | $343M | 1.45% | 16.37% | 3.56% |
| 2026-03-31 | $470M | $425M | $338M | 1.29% | 14.68% | 3.41% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KY | $376.9M | 0.31% | 57 | Continuing · +0.03 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.