Side-by-side · Q2 2026 data
First Southern Bank vs Rabun County Bank
Metric by metric
| Measure | First Southern Bank | Rabun County Bank |
|---|---|---|
| TellerScore | 74 | 81 (stronger) |
| Capital cushion | 59 (stronger) | 55 |
| Loan quality | 100 (stronger) | 98 |
| Earnings | 58 | 86 (stronger) |
| Funding & liquidity | 63 | 87 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 57th | 80th |
| Total assets | $347.2M | $361.5M |
| Deposits / shares | $312.9M | $321.3M |
| Capital ratio | 10.92% (stronger) | 10.49% |
| Problem loans | 0.01% (stronger) | 0.05% |
| Net charge-offs | 0.04% | -0.01% (stronger) |
| Return on assets | 0.94% | 1.64% (stronger) |
| Loans ÷ deposits | 71.7% (stronger) | 71.8% |
| Uninsured deposits | 38.6% | 16.5% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Rabun County Bank has the higher TellerScore (81 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First Southern Bank leads on 3 and Rabun County Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.