Side-by-side · Q2 2026 data
Central State Bank vs First Southern Bank
Metric by metric
| Measure | Central State Bank | First Southern Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 18 |
| Capital cushion | 40 (stronger) | 39 |
| Loan quality | 95 (stronger) | 0 |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 55 (stronger) | 40 |
| Problem-loan coverage | 96 (stronger) | 0 |
| Peer percentile | 57th | 0th |
| Total assets | $890.7M | $679.2M |
| Deposits / shares | $810.3M | $577.1M |
| Capital ratio | 8.98% (stronger) | 8.95% |
| Problem loans | 0.16% (stronger) | 10.86% |
| Net charge-offs | 0.22% (stronger) | 4.60% |
| Return on assets | 2.01% (stronger) | -2.50% |
| Loans ÷ deposits | 68.0% (stronger) | 78.7% |
| Uninsured deposits | 48.5% (stronger) | 52.8% |
| Offices | 7 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.2% |
Central State Bank has the higher TellerScore (74 vs 18). On the 7 directional measures above (where higher or lower is clearly better), Central State Bank leads on 7 and First Southern Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.