Side-by-side · Q2 2026 data
First State Bank of the South, Inc. vs First National Bank
Metric by metric
| Measure | First State Bank of the South, Inc. | First National Bank |
|---|---|---|
| TellerScore | 89 | 97 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 92 | 92 |
| Earnings | 62 | 100 (stronger) |
| Funding & liquidity | 96 (stronger) | 93 |
| Problem-loan coverage | 88 | 99 (stronger) |
| Peer percentile | 94th | 100th |
| Total assets | $130.7M | $372.7M |
| Deposits / shares | $109.2M | $305.5M |
| Capital ratio | 16.38% | 18.99% (stronger) |
| Problem loans | 0.24% (stronger) | 0.25% |
| Net charge-offs | -0.01% (stronger) | 0.30% |
| Return on assets | 1.05% | 2.51% (stronger) |
| Loans ÷ deposits | 51.8% | 47.4% (stronger) |
| Uninsured deposits | 18.7% (stronger) | 21.9% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank has the higher TellerScore (97 vs 89). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of the South, Inc. leads on 3 and First National Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Hamilton, AL
- Sulligent, AL