Side-by-side · Q2 2026 data
First Southern Bank vs United Community Bank
Metric by metric
| Measure | First Southern Bank | United Community Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 67 |
| Capital cushion | 59 (stronger) | 45 |
| Loan quality | 100 (stronger) | 83 |
| Earnings | 58 | 76 (stronger) |
| Funding & liquidity | 63 (stronger) | 51 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 57th | 63rd |
| Total assets | $347.2M | $29.0B |
| Deposits / shares | $312.9M | $24.1B |
| Capital ratio | 10.92% (stronger) | 9.52% |
| Problem loans | 0.01% (stronger) | 0.51% |
| Net charge-offs | 0.04% (stronger) | 0.19% |
| Return on assets | 0.94% | 1.40% (stronger) |
| Loans ÷ deposits | 71.7% (stronger) | 82.3% |
| Uninsured deposits | 38.6% (stronger) | 39.4% |
| Offices | 1 | 190 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 25.4% |
First Southern Bank has the higher TellerScore (74 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First Southern Bank leads on 6 and United Community Bank on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.