Side-by-side · Q2 2026 data
First State Bank of the South, Inc. vs North Alabama Bank
Metric by metric
| Measure | First State Bank of the South, Inc. | North Alabama Bank |
|---|---|---|
| TellerScore | 89 (stronger) | 80 |
| Capital cushion | 100 (stronger) | 67 |
| Loan quality | 92 | 95 (stronger) |
| Earnings | 62 | 81 (stronger) |
| Funding & liquidity | 96 (stronger) | 70 |
| Problem-loan coverage | 88 | 98 (stronger) |
| Peer percentile | 94th | 77th |
| Total assets | $130.7M | $178.6M |
| Deposits / shares | $109.2M | $156.0M |
| Capital ratio | 16.38% (stronger) | 11.73% |
| Problem loans | 0.24% | 0.15% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.05% |
| Return on assets | 1.05% | 1.53% (stronger) |
| Loans ÷ deposits | 51.8% (stronger) | 88.4% |
| Uninsured deposits | 18.7% | 16.1% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.6% |
First State Bank of the South, Inc. has the higher TellerScore (89 vs 80). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of the South, Inc. leads on 4 and North Alabama Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.