Side-by-side · Q2 2026 data
First Southern Bank vs Belmont Bank & Trust Company
Metric by metric
| Measure | First Southern Bank | Belmont Bank & Trust Company |
|---|---|---|
| TellerScore | 49 | 75 (stronger) |
| Capital cushion | 59 | 69 (stronger) |
| Loan quality | 0 | 86 (stronger) |
| Earnings | 75 | 77 (stronger) |
| Funding & liquidity | 67 (stronger) | 51 |
| Problem-loan coverage | 63 | 95 (stronger) |
| Peer percentile | 6th | 77th |
| Total assets | $1.0B | $1.1B |
| Deposits / shares | $904.3M | $925.1M |
| Capital ratio | 10.85% | 11.87% (stronger) |
| Problem loans | 3.00% | 0.41% (stronger) |
| Net charge-offs | 0.44% | 0.02% (stronger) |
| Return on assets | 1.37% | 1.41% (stronger) |
| Loans ÷ deposits | 71.7% (stronger) | 80.3% |
| Uninsured deposits | 34.6% (stronger) | 40.4% |
| Offices | 15 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Belmont Bank & Trust Company has the higher TellerScore (75 vs 49). On the 7 directional measures above (where higher or lower is clearly better), First Southern Bank leads on 2 and Belmont Bank & Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.