Side-by-side · Q2 2026 data
First Southern National Bank vs The Cecilian Bank
Metric by metric
| Measure | First Southern National Bank | The Cecilian Bank |
|---|---|---|
| TellerScore | 68 | 77 (stronger) |
| Capital cushion | 58 | 60 (stronger) |
| Loan quality | 80 | 87 (stronger) |
| Earnings | 53 | 87 (stronger) |
| Funding & liquidity | 73 (stronger) | 66 |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 49th | 83rd |
| Total assets | $1.3B | $1.6B |
| Deposits / shares | $1.1B | $1.3B |
| Capital ratio | 10.85% | 10.99% (stronger) |
| Problem loans | 0.61% | 0.40% (stronger) |
| Net charge-offs | 0.05% | 0.01% (stronger) |
| Return on assets | 0.82% | 1.67% (stronger) |
| Loans ÷ deposits | 69.8% (stronger) | 79.5% |
| Uninsured deposits | 30.5% | 28.6% (stronger) |
| Offices | 14 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.4% |
The Cecilian Bank has the higher TellerScore (77 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First Southern National Bank leads on 1 and The Cecilian Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.