Side-by-side · Q2 2026 data
First Southern State Bank vs West Alabama Bank & Trust
Metric by metric
| Measure | First Southern State Bank | West Alabama Bank & Trust |
|---|---|---|
| TellerScore | 77 | 77 |
| Capital cushion | 56 | 72 (stronger) |
| Loan quality | 92 (stronger) | 85 |
| Earnings | 78 (stronger) | 71 |
| Funding & liquidity | 80 (stronger) | 77 |
| Problem-loan coverage | 94 (stronger) | 87 |
| Peer percentile | 68th | 68th |
| Total assets | $893.5M | $929.0M |
| Deposits / shares | $807.2M | $806.4M |
| Capital ratio | 10.59% | 12.22% (stronger) |
| Problem loans | 0.25% (stronger) | 0.44% |
| Net charge-offs | 0.12% (stronger) | 0.16% |
| Return on assets | 1.46% (stronger) | 1.28% |
| Loans ÷ deposits | 61.3% (stronger) | 74.0% |
| Uninsured deposits | 31.9% | 23.0% (stronger) |
| Offices | 11 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First Southern State Bank leads on 4 and West Alabama Bank & Trust on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.