Side-by-side · Q2 2026 data
First Bank vs United Southern Bank
Metric by metric
| Measure | First Bank | United Southern Bank |
|---|---|---|
| TellerScore | 71 | 76 (stronger) |
| Capital cushion | 47 | 58 (stronger) |
| Loan quality | 90 (stronger) | 85 |
| Earnings | 79 (stronger) | 69 |
| Funding & liquidity | 63 | 94 (stronger) |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 47th | 64th |
| Total assets | $810.5M | $843.0M |
| Deposits / shares | $727.3M | $769.1M |
| Capital ratio | 9.70% | 10.77% (stronger) |
| Problem loans | 0.31% (stronger) | 0.44% |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.48% (stronger) | 1.23% |
| Loans ÷ deposits | 67.8% | 59.9% (stronger) |
| Uninsured deposits | 41.3% | 20.3% (stronger) |
| Offices | 7 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Southern Bank has the higher TellerScore (76 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First Bank leads on 3 and United Southern Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.