Side-by-side · Q2 2026 data
First Southern National Bank vs Whitaker Bank
Metric by metric
| Measure | First Southern National Bank | Whitaker Bank |
|---|---|---|
| TellerScore | 68 | 84 (stronger) |
| Capital cushion | 58 | 79 (stronger) |
| Loan quality | 80 | 93 (stronger) |
| Earnings | 53 | 77 (stronger) |
| Funding & liquidity | 73 | 80 (stronger) |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 49th | 95th |
| Total assets | $1.3B | $1.9B |
| Deposits / shares | $1.1B | $1.6B |
| Capital ratio | 10.85% | 12.89% (stronger) |
| Problem loans | 0.61% | 0.21% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.06% |
| Return on assets | 0.82% | 1.42% (stronger) |
| Loans ÷ deposits | 69.8% | 67.3% (stronger) |
| Uninsured deposits | 30.5% | 26.8% (stronger) |
| Offices | 14 | 44 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Whitaker Bank has the higher TellerScore (84 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First Southern National Bank leads on 1 and Whitaker Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Lexington, KY
- Richmond, KY
- Lancaster, KY