Side-by-side · Q2 2026 data
First Southern Bank vs Georgia Community Bank
Metric by metric
| Measure | First Southern Bank | Georgia Community Bank |
|---|---|---|
| TellerScore | 74 | 78 (stronger) |
| Capital cushion | 59 | 87 (stronger) |
| Loan quality | 100 (stronger) | 58 |
| Earnings | 58 | 92 (stronger) |
| Funding & liquidity | 63 | 67 (stronger) |
| Problem-loan coverage | 100 (stronger) | 88 |
| Peer percentile | 57th | 72nd |
| Total assets | $347.2M | $375.0M |
| Deposits / shares | $312.9M | $321.7M |
| Capital ratio | 10.92% | 13.67% (stronger) |
| Problem loans | 0.01% (stronger) | 1.25% |
| Net charge-offs | 0.04% (stronger) | 0.09% |
| Return on assets | 0.94% | 1.80% (stronger) |
| Loans ÷ deposits | 71.7% (stronger) | 78.4% |
| Uninsured deposits | 38.6% | 27.9% (stronger) |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.3% |
Georgia Community Bank has the higher TellerScore (78 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First Southern Bank leads on 3 and Georgia Community Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.