Side-by-side · Q2 2026 data
Covington County Bank vs First Southern Bank
Metric by metric
| Measure | Covington County Bank | First Southern Bank |
|---|---|---|
| TellerScore | 77 | 83 (stronger) |
| Capital cushion | 88 (stronger) | 56 |
| Loan quality | 67 | 100 (stronger) |
| Earnings | 77 | 95 (stronger) |
| Funding & liquidity | 74 | 79 (stronger) |
| Problem-loan coverage | 78 | 99 (stronger) |
| Peer percentile | 68th | 84th |
| Total assets | $109.2M | $317.3M |
| Deposits / shares | $93.9M | $271.4M |
| Capital ratio | 13.76% (stronger) | 10.57% |
| Problem loans | 0.99% | 0.00% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.09% |
| Return on assets | 1.42% | 1.89% (stronger) |
| Loans ÷ deposits | 86.1% | 54.2% (stronger) |
| Uninsured deposits | 12.8% (stronger) | 34.1% |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Southern Bank has the higher TellerScore (83 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Covington County Bank leads on 3 and First Southern Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.