Side-by-side · Q2 2026 data
First Southern Bank vs American Community Bank & Trust
Metric by metric
| Measure | First Southern Bank | American Community Bank & Trust |
|---|---|---|
| TellerScore | 49 | 64 (stronger) |
| Capital cushion | 59 (stronger) | 56 |
| Loan quality | 0 | 67 (stronger) |
| Earnings | 75 | 75 |
| Funding & liquidity | 67 (stronger) | 47 |
| Problem-loan coverage | 63 | 88 (stronger) |
| Peer percentile | 6th | 33rd |
| Total assets | $1.0B | $1.2B |
| Deposits / shares | $904.3M | $1.0B |
| Capital ratio | 10.85% (stronger) | 10.61% |
| Problem loans | 3.00% | 1.00% (stronger) |
| Net charge-offs | 0.44% | -0.09% (stronger) |
| Return on assets | 1.37% | 1.38% (stronger) |
| Loans ÷ deposits | 71.7% (stronger) | 77.7% |
| Uninsured deposits | 34.6% (stronger) | 47.2% |
| Offices | 15 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.8% |
American Community Bank & Trust has the higher TellerScore (64 vs 49). On the 7 directional measures above (where higher or lower is clearly better), First Southern Bank leads on 3 and American Community Bank & Trust on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.