Side-by-side · Q2 2026 data
First Southern State Bank vs The Bank of LaFayette, Georgia
Metric by metric
| Measure | First Southern State Bank | The Bank of LaFayette, Georgia |
|---|---|---|
| TellerScore | 77 (stronger) | 56 |
| Capital cushion | 56 (stronger) | 44 |
| Loan quality | 92 (stronger) | 52 |
| Earnings | 78 (stronger) | 57 |
| Funding & liquidity | 80 (stronger) | 75 |
| Problem-loan coverage | 94 (stronger) | 74 |
| Peer percentile | 68th | 13th |
| Total assets | $893.5M | $446.8M |
| Deposits / shares | $807.2M | $396.2M |
| Capital ratio | 10.59% (stronger) | 9.35% |
| Problem loans | 0.25% (stronger) | 1.44% |
| Net charge-offs | 0.12% | -0.05% (stronger) |
| Return on assets | 1.46% (stronger) | 0.93% |
| Loans ÷ deposits | 61.3% | 44.3% (stronger) |
| Uninsured deposits | 31.9% (stronger) | 37.3% |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.8% |
First Southern State Bank has the higher TellerScore (77 vs 56). On the 7 directional measures above (where higher or lower is clearly better), First Southern State Bank leads on 5 and The Bank of LaFayette, Georgia on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.