Side-by-side · Q2 2026 data
First National Bank vs Southern Bank
Metric by metric
| Measure | First National Bank | Southern Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 70 |
| Capital cushion | 61 (stronger) | 54 |
| Loan quality | 94 (stronger) | 79 |
| Earnings | 68 | 81 (stronger) |
| Funding & liquidity | 37 | 58 (stronger) |
| Problem-loan coverage | 98 (stronger) | 89 |
| Peer percentile | 63rd | 58th |
| Total assets | $2.6B | $5.2B |
| Deposits / shares | $2.1B | $4.4B |
| Capital ratio | 11.12% (stronger) | 10.45% |
| Problem loans | 0.19% (stronger) | 0.63% |
| Net charge-offs | -0.01% (stronger) | 0.22% |
| Return on assets | 1.20% | 1.53% (stronger) |
| Loans ÷ deposits | 97.8% (stronger) | 98.1% |
| Uninsured deposits | 37.9% | 18.9% (stronger) |
| Offices | 23 | 64 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.9% | 5.8% |
First National Bank has the higher TellerScore (71 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 5 and Southern Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.