Side-by-side · Q2 2026 data
Du Quoin State Bank vs First Southern Bank
Metric by metric
| Measure | Du Quoin State Bank | First Southern Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 49 |
| Capital cushion | 58 | 59 (stronger) |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 57 | 75 (stronger) |
| Funding & liquidity | 94 (stronger) | 67 |
| Problem-loan coverage | 100 (stronger) | 63 |
| Peer percentile | 72nd | 6th |
| Total assets | $148.2M | $1.0B |
| Deposits / shares | $136.3M | $904.3M |
| Capital ratio | 10.78% | 10.85% (stronger) |
| Problem loans | 0.00% (stronger) | 3.00% |
| Net charge-offs | 0.00% (stronger) | 0.44% |
| Return on assets | 0.92% | 1.37% (stronger) |
| Loans ÷ deposits | 34.2% (stronger) | 71.7% |
| Uninsured deposits | 20.3% (stronger) | 34.6% |
| Offices | 3 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Du Quoin State Bank has the higher TellerScore (78 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Du Quoin State Bank leads on 5 and First Southern Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.