Side-by-side · Q2 2026 data
Copiah Bank vs First Southern Bank
Metric by metric
| Measure | Copiah Bank | First Southern Bank |
|---|---|---|
| TellerScore | 78 | 83 (stronger) |
| Capital cushion | 68 (stronger) | 56 |
| Loan quality | 94 | 100 (stronger) |
| Earnings | 57 | 95 (stronger) |
| Funding & liquidity | 88 (stronger) | 79 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 72nd | 84th |
| Total assets | $332.2M | $317.3M |
| Deposits / shares | $288.9M | $271.4M |
| Capital ratio | 11.80% (stronger) | 10.57% |
| Problem loans | 0.19% | 0.00% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.09% |
| Return on assets | 0.92% | 1.89% (stronger) |
| Loans ÷ deposits | 63.6% | 54.2% (stronger) |
| Uninsured deposits | 22.9% (stronger) | 34.1% |
| Offices | 9 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.5% | — |
First Southern Bank has the higher TellerScore (83 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Copiah Bank leads on 3 and First Southern Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.