Side-by-side · Q2 2026 data
First Southern State Bank vs First Community Bank of Central Alabama
Metric by metric
| Measure | First Southern State Bank | First Community Bank of Central Alabama |
|---|---|---|
| TellerScore | 77 (stronger) | 74 |
| Capital cushion | 56 (stronger) | 36 |
| Loan quality | 92 | 97 (stronger) |
| Earnings | 78 | 100 (stronger) |
| Funding & liquidity | 80 (stronger) | 61 |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 68th | 57th |
| Total assets | $893.5M | $694.3M |
| Deposits / shares | $807.2M | $638.3M |
| Capital ratio | 10.59% (stronger) | 8.57% |
| Problem loans | 0.25% | 0.10% (stronger) |
| Net charge-offs | 0.12% | 0.02% (stronger) |
| Return on assets | 1.46% | 2.44% (stronger) |
| Loans ÷ deposits | 61.3% (stronger) | 77.7% |
| Uninsured deposits | 31.9% (stronger) | 34.6% |
| Offices | 11 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Southern State Bank has the higher TellerScore (77 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First Southern State Bank leads on 4 and First Community Bank of Central Alabama on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.