Side-by-side · Q2 2026 data
Bank of Kilmichael vs First Southern Bank
Metric by metric
| Measure | Bank of Kilmichael | First Southern Bank |
|---|---|---|
| TellerScore | 62 | 83 (stronger) |
| Capital cushion | 41 | 56 (stronger) |
| Loan quality | 68 | 100 (stronger) |
| Earnings | 64 | 95 (stronger) |
| Funding & liquidity | 78 | 79 (stronger) |
| Problem-loan coverage | 83 | 99 (stronger) |
| Peer percentile | 22nd | 84th |
| Total assets | $341.6M | $317.3M |
| Deposits / shares | $311.6M | $271.4M |
| Capital ratio | 9.12% | 10.57% (stronger) |
| Problem loans | 0.96% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.09% |
| Return on assets | 1.09% | 1.89% (stronger) |
| Loans ÷ deposits | 64.8% | 54.2% (stronger) |
| Uninsured deposits | 30.9% (stronger) | 34.1% |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Southern Bank has the higher TellerScore (83 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Bank of Kilmichael leads on 2 and First Southern Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.