Side-by-side · Q2 2026 data
First Southern Bank vs Bank of Pontiac
Metric by metric
| Measure | First Southern Bank | Bank of Pontiac |
|---|---|---|
| TellerScore | 49 | 72 (stronger) |
| Capital cushion | 59 (stronger) | 54 |
| Loan quality | 0 | 91 (stronger) |
| Earnings | 75 (stronger) | 71 |
| Funding & liquidity | 67 (stronger) | 58 |
| Problem-loan coverage | 63 | 97 (stronger) |
| Peer percentile | 6th | 66th |
| Total assets | $1.0B | $1.2B |
| Deposits / shares | $904.3M | $1.0B |
| Capital ratio | 10.85% (stronger) | 10.35% |
| Problem loans | 3.00% | 0.27% (stronger) |
| Net charge-offs | 0.44% | 0.30% (stronger) |
| Return on assets | 1.37% (stronger) | 1.28% |
| Loans ÷ deposits | 71.7% (stronger) | 82.9% |
| Uninsured deposits | 34.6% | 32.6% (stronger) |
| Offices | 15 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.3% |
Bank of Pontiac has the higher TellerScore (72 vs 49). On the 7 directional measures above (where higher or lower is clearly better), First Southern Bank leads on 3 and Bank of Pontiac on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.