Side-by-side · Q2 2026 data
First Southern Bank vs The Hometown Bank of Alabama
Metric by metric
| Measure | First Southern Bank | The Hometown Bank of Alabama |
|---|---|---|
| TellerScore | 18 | 57 (stronger) |
| Capital cushion | 39 | 61 (stronger) |
| Loan quality | 0 | 32 (stronger) |
| Earnings | 0 | 59 (stronger) |
| Funding & liquidity | 40 | 77 (stronger) |
| Problem-loan coverage | 0 | 73 (stronger) |
| Peer percentile | 0th | 14th |
| Total assets | $679.2M | $660.7M |
| Deposits / shares | $577.1M | $563.9M |
| Capital ratio | 8.95% | 11.08% (stronger) |
| Problem loans | 10.86% | 2.03% (stronger) |
| Net charge-offs | 4.60% | 0.01% (stronger) |
| Return on assets | -2.50% | 0.97% (stronger) |
| Loans ÷ deposits | 78.7% | 70.6% (stronger) |
| Uninsured deposits | 52.8% | 26.8% (stronger) |
| Offices | 11 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.2% | 17.1% |
The Hometown Bank of Alabama has the higher TellerScore (57 vs 18). On the 7 directional measures above (where higher or lower is clearly better), First Southern Bank leads on 0 and The Hometown Bank of Alabama on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.