Side-by-side · Q2 2026 data
First Southern Bank vs Waycross Bank & Trust
Metric by metric
| Measure | First Southern Bank | Waycross Bank & Trust |
|---|---|---|
| TellerScore | 74 | 79 (stronger) |
| Capital cushion | 59 | 71 (stronger) |
| Loan quality | 100 (stronger) | 92 |
| Earnings | 58 | 72 (stronger) |
| Funding & liquidity | 63 | 72 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 57th | 75th |
| Total assets | $347.2M | $242.2M |
| Deposits / shares | $312.9M | $217.3M |
| Capital ratio | 10.92% | 12.15% (stronger) |
| Problem loans | 0.01% (stronger) | 0.25% |
| Net charge-offs | 0.04% | -0.00% (stronger) |
| Return on assets | 0.94% | 1.30% (stronger) |
| Loans ÷ deposits | 71.7% | 56.5% (stronger) |
| Uninsured deposits | 38.6% (stronger) | 40.1% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Waycross Bank & Trust has the higher TellerScore (79 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First Southern Bank leads on 2 and Waycross Bank & Trust on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.