Side-by-side · Q2 2026 data
First Southern Bank vs The Federal Savings Bank
Metric by metric
| Measure | First Southern Bank | The Federal Savings Bank |
|---|---|---|
| TellerScore | 49 | 51 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 0 | 10 (stronger) |
| Earnings | 75 (stronger) | 22 |
| Funding & liquidity | 67 (stronger) | 50 |
| Problem-loan coverage | 63 | 67 (stronger) |
| Peer percentile | 6th | 8th |
| Total assets | $1.0B | $1.1B |
| Deposits / shares | $904.3M | $741.1M |
| Capital ratio | 10.85% | 15.86% (stronger) |
| Problem loans | 3.00% | 2.69% (stronger) |
| Net charge-offs | 0.44% | 0.20% (stronger) |
| Return on assets | 1.37% (stronger) | 0.05% |
| Loans ÷ deposits | 71.7% (stronger) | 129.9% |
| Uninsured deposits | 34.6% | 15.0% (stronger) |
| Offices | 15 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.1% |
The Federal Savings Bank has the higher TellerScore (51 vs 49). On the 7 directional measures above (where higher or lower is clearly better), First Southern Bank leads on 2 and The Federal Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.