Side-by-side · Q2 2026 data
First Southern State Bank vs Peoples Independent Bank
Metric by metric
| Measure | First Southern State Bank | Peoples Independent Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 75 |
| Capital cushion | 56 (stronger) | 44 |
| Loan quality | 92 (stronger) | 90 |
| Earnings | 78 | 84 (stronger) |
| Funding & liquidity | 80 | 88 (stronger) |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 68th | 61st |
| Total assets | $893.5M | $485.7M |
| Deposits / shares | $807.2M | $441.3M |
| Capital ratio | 10.59% (stronger) | 9.41% |
| Problem loans | 0.25% (stronger) | 0.30% |
| Net charge-offs | 0.12% | 0.03% (stronger) |
| Return on assets | 1.46% | 1.60% (stronger) |
| Loans ÷ deposits | 61.3% | 42.5% (stronger) |
| Uninsured deposits | 31.9% | 26.1% (stronger) |
| Offices | 11 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.9% |
First Southern State Bank has the higher TellerScore (77 vs 75). On the 7 directional measures above (where higher or lower is clearly better), First Southern State Bank leads on 3 and Peoples Independent Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.