Side-by-side · Q2 2026 data
First Southern Bank vs First Community Bank of Central Alabama
Metric by metric
| Measure | First Southern Bank | First Community Bank of Central Alabama |
|---|---|---|
| TellerScore | 18 | 74 (stronger) |
| Capital cushion | 39 (stronger) | 36 |
| Loan quality | 0 | 97 (stronger) |
| Earnings | 0 | 100 (stronger) |
| Funding & liquidity | 40 | 61 (stronger) |
| Problem-loan coverage | 0 | 97 (stronger) |
| Peer percentile | 0th | 57th |
| Total assets | $679.2M | $694.3M |
| Deposits / shares | $577.1M | $638.3M |
| Capital ratio | 8.95% (stronger) | 8.57% |
| Problem loans | 10.86% | 0.10% (stronger) |
| Net charge-offs | 4.60% | 0.02% (stronger) |
| Return on assets | -2.50% | 2.44% (stronger) |
| Loans ÷ deposits | 78.7% | 77.7% (stronger) |
| Uninsured deposits | 52.8% | 34.6% (stronger) |
| Offices | 11 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.2% | — |
First Community Bank of Central Alabama has the higher TellerScore (74 vs 18). On the 7 directional measures above (where higher or lower is clearly better), First Southern Bank leads on 1 and First Community Bank of Central Alabama on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.