Side-by-side · Q2 2026 data
First Southern National Bank vs The Paducah Bank and Trust Company
Metric by metric
| Measure | First Southern National Bank | The Paducah Bank and Trust Company |
|---|---|---|
| TellerScore | 68 | 79 (stronger) |
| Capital cushion | 58 (stronger) | 56 |
| Loan quality | 80 | 94 (stronger) |
| Earnings | 53 | 100 (stronger) |
| Funding & liquidity | 73 (stronger) | 57 |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 49th | 88th |
| Total assets | $1.3B | $1.1B |
| Deposits / shares | $1.1B | $844.2M |
| Capital ratio | 10.85% (stronger) | 10.63% |
| Problem loans | 0.61% | 0.19% (stronger) |
| Net charge-offs | 0.05% | 0.02% (stronger) |
| Return on assets | 0.82% | 2.25% (stronger) |
| Loans ÷ deposits | 69.8% (stronger) | 94.5% |
| Uninsured deposits | 30.5% | 23.2% (stronger) |
| Offices | 14 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.9% |
The Paducah Bank and Trust Company has the higher TellerScore (79 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First Southern National Bank leads on 2 and The Paducah Bank and Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.