Side-by-side · Q2 2026 data
First Southern Bank vs Flint Community Bank
Metric by metric
| Measure | First Southern Bank | Flint Community Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 54 |
| Capital cushion | 59 (stronger) | 41 |
| Loan quality | 100 (stronger) | 32 |
| Earnings | 58 | 100 (stronger) |
| Funding & liquidity | 63 (stronger) | 48 |
| Problem-loan coverage | 100 (stronger) | 67 |
| Peer percentile | 57th | 10th |
| Total assets | $347.2M | $357.1M |
| Deposits / shares | $312.9M | $310.4M |
| Capital ratio | 10.92% (stronger) | 9.06% |
| Problem loans | 0.01% (stronger) | 2.05% |
| Net charge-offs | 0.04% (stronger) | 0.15% |
| Return on assets | 0.94% | 2.10% (stronger) |
| Loans ÷ deposits | 71.7% (stronger) | 88.9% |
| Uninsured deposits | 38.6% | 35.6% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
First Southern Bank has the higher TellerScore (74 vs 54). On the 7 directional measures above (where higher or lower is clearly better), First Southern Bank leads on 5 and Flint Community Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.