Side-by-side · Q2 2026 data
Central State Bank vs First Southern State Bank
Metric by metric
| Measure | Central State Bank | First Southern State Bank |
|---|---|---|
| TellerScore | 74 | 77 (stronger) |
| Capital cushion | 40 | 56 (stronger) |
| Loan quality | 95 (stronger) | 92 |
| Earnings | 100 (stronger) | 78 |
| Funding & liquidity | 55 | 80 (stronger) |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 57th | 68th |
| Total assets | $890.7M | $893.5M |
| Deposits / shares | $810.3M | $807.2M |
| Capital ratio | 8.98% | 10.59% (stronger) |
| Problem loans | 0.16% (stronger) | 0.25% |
| Net charge-offs | 0.22% | 0.12% (stronger) |
| Return on assets | 2.01% (stronger) | 1.46% |
| Loans ÷ deposits | 68.0% | 61.3% (stronger) |
| Uninsured deposits | 48.5% | 31.9% (stronger) |
| Offices | 7 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Southern State Bank has the higher TellerScore (77 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Central State Bank leads on 2 and First Southern State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.