Side-by-side · Q2 2026 data
First State Bank of Randolph County vs PeoplesSouth Bank
Metric by metric
| Measure | First State Bank of Randolph County | PeoplesSouth Bank |
|---|---|---|
| TellerScore | 27 | 69 (stronger) |
| Capital cushion | 33 | 54 (stronger) |
| Loan quality | 0 | 66 (stronger) |
| Earnings | 9 | 81 (stronger) |
| Funding & liquidity | 99 (stronger) | 80 |
| Problem-loan coverage | 0 | 80 (stronger) |
| Peer percentile | 1st | 53rd |
| Total assets | $86.9M | $1.2B |
| Deposits / shares | $84.4M | $1.1B |
| Capital ratio | 8.30% | 10.45% (stronger) |
| Problem loans | 4.53% | 1.02% (stronger) |
| Net charge-offs | 0.06% | 0.01% (stronger) |
| Return on assets | -0.27% | 1.53% (stronger) |
| Loans ÷ deposits | 35.9% (stronger) | 77.1% |
| Uninsured deposits | 15.9% (stronger) | 18.1% |
| Offices | 2 | 34 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.5% |
PeoplesSouth Bank has the higher TellerScore (69 vs 27). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Randolph County leads on 2 and PeoplesSouth Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.