Side-by-side · Q2 2026 data
First Metro Bank vs First Southern Bank
Metric by metric
| Measure | First Metro Bank | First Southern Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 18 |
| Capital cushion | 80 (stronger) | 39 |
| Loan quality | 96 (stronger) | 0 |
| Earnings | 85 (stronger) | 0 |
| Funding & liquidity | 63 (stronger) | 40 |
| Problem-loan coverage | 98 (stronger) | 0 |
| Peer percentile | 95th | 0th |
| Total assets | $1.0B | $679.2M |
| Deposits / shares | $893.7M | $577.1M |
| Capital ratio | 12.98% (stronger) | 8.95% |
| Problem loans | 0.13% (stronger) | 10.86% |
| Net charge-offs | 0.22% (stronger) | 4.60% |
| Return on assets | 1.62% (stronger) | -2.50% |
| Loans ÷ deposits | 66.4% (stronger) | 78.7% |
| Uninsured deposits | 42.8% (stronger) | 52.8% |
| Offices | 11 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.7% | 8.2% |
First Metro Bank has the higher TellerScore (84 vs 18). On the 7 directional measures above (where higher or lower is clearly better), First Metro Bank leads on 7 and First Southern Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.