Side-by-side · Q2 2026 data
First Southern Bank vs First National Bank of Decatur County
Metric by metric
| Measure | First Southern Bank | First National Bank of Decatur County |
|---|---|---|
| TellerScore | 74 (stronger) | 55 |
| Capital cushion | 59 (stronger) | 24 |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 58 (stronger) | 31 |
| Funding & liquidity | 63 | 73 (stronger) |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 57th | 11th |
| Total assets | $347.2M | $359.6M |
| Deposits / shares | $312.9M | $330.8M |
| Capital ratio | 10.92% (stronger) | 7.42% |
| Problem loans | 0.01% (stronger) | 0.36% |
| Net charge-offs | 0.04% (stronger) | 0.04% |
| Return on assets | 0.94% (stronger) | 0.26% |
| Loans ÷ deposits | 71.7% (stronger) | 80.2% |
| Uninsured deposits | 38.6% | 21.8% (stronger) |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.0% |
First Southern Bank has the higher TellerScore (74 vs 55). On the 7 directional measures above (where higher or lower is clearly better), First Southern Bank leads on 6 and First National Bank of Decatur County on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.