Side-by-side · Q2 2026 data
First National Bank of Griffin vs First Southern Bank
Metric by metric
| Measure | First National Bank of Griffin | First Southern Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 74 |
| Capital cushion | 64 (stronger) | 59 |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 78 (stronger) | 58 |
| Funding & liquidity | 99 (stronger) | 63 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 86th | 57th |
| Total assets | $368.3M | $347.2M |
| Deposits / shares | $321.3M | $312.9M |
| Capital ratio | 11.41% (stronger) | 10.92% |
| Problem loans | 0.04% | 0.01% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.04% |
| Return on assets | 1.45% (stronger) | 0.94% |
| Loans ÷ deposits | 56.6% (stronger) | 71.7% |
| Uninsured deposits | 15.7% (stronger) | 38.6% |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank of Griffin has the higher TellerScore (84 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Griffin leads on 6 and First Southern Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.