Side-by-side · Q2 2026 data
First State Bank of the South, Inc. vs Alabama One Credit Union
Metric by metric
| Measure | First State Bank of the South, Inc. | Alabama One Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 59 |
| Capital cushion | 100 (stronger) | 41 |
| Loan quality | 92 (stronger) | 72 |
| Earnings | 62 (stronger) | 44 |
| Funding & liquidity | 96 (stronger) | 78 |
| Problem-loan coverage | 88 (stronger) | 85 |
| Peer percentile | 94th | 22nd |
| Total assets | $130.7M | $1.5B |
| Deposits / shares | $109.2M | $1.4B |
| Capital ratio | 16.38% (stronger) | 9.08% |
| Problem loans | 0.24% (stronger) | 0.85% |
| Net charge-offs | -0.01% (stronger) | 0.20% |
| Return on assets | 1.05% (stronger) | 0.59% |
| Loans ÷ deposits | 51.8% (stronger) | 82.2% |
| Uninsured deposits | 18.7% | 11.9% (stronger) |
| Offices | 5 | 30 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of the South, Inc. has the higher TellerScore (89 vs 59). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of the South, Inc. leads on 6 and Alabama One Credit Union on 1. 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.