Side-by-side · Q2 2026 data
Community Financial Services Bank vs First Southern National Bank
Metric by metric
| Measure | Community Financial Services Bank | First Southern National Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 68 |
| Capital cushion | 53 | 58 (stronger) |
| Loan quality | 86 (stronger) | 80 |
| Earnings | 61 (stronger) | 53 |
| Funding & liquidity | 75 (stronger) | 73 |
| Problem-loan coverage | 93 | 94 (stronger) |
| Peer percentile | 58th | 49th |
| Total assets | $1.4B | $1.3B |
| Deposits / shares | $1.2B | $1.1B |
| Capital ratio | 10.33% | 10.85% (stronger) |
| Problem loans | 0.42% (stronger) | 0.61% |
| Net charge-offs | 0.23% | 0.05% (stronger) |
| Return on assets | 1.04% (stronger) | 0.82% |
| Loans ÷ deposits | 78.7% | 69.8% (stronger) |
| Uninsured deposits | 21.3% (stronger) | 30.5% |
| Offices | 8 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.4% | — |
Community Financial Services Bank has the higher TellerScore (70 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Community Financial Services Bank leads on 4 and First Southern National Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.