Side-by-side · Q2 2026 data
First Southern Bank vs Ferguson Federal Credit Union
Metric by metric
| Measure | First Southern Bank | Ferguson Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 33 |
| Capital cushion | 56 (stronger) | 46 |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 95 (stronger) | 18 |
| Funding & liquidity | 79 | 79 |
| Problem-loan coverage | 99 (stronger) | 41 |
| Peer percentile | 84th | 2nd |
| Total assets | $317.3M | $94.2M |
| Deposits / shares | $271.4M | $83.1M |
| Capital ratio | 10.57% (stronger) | 9.63% |
| Problem loans | 0.00% (stronger) | 3.79% |
| Net charge-offs | 0.09% (stronger) | 1.25% |
| Return on assets | 1.89% (stronger) | -0.05% |
| Loans ÷ deposits | 54.2% (stronger) | 81.2% |
| Uninsured deposits | 34.1% | 9.4% (stronger) |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.6% |
First Southern Bank has the higher TellerScore (83 vs 33). On the 7 directional measures above (where higher or lower is clearly better), First Southern Bank leads on 6 and Ferguson Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.