Side-by-side · Q2 2026 data
First State Bank of the South, Inc. vs The Citizens Bank
Metric by metric
| Measure | First State Bank of the South, Inc. | The Citizens Bank |
|---|---|---|
| TellerScore | 89 (stronger) | 67 |
| Capital cushion | 100 (stronger) | 72 |
| Loan quality | 92 (stronger) | 38 |
| Earnings | 62 | 64 (stronger) |
| Funding & liquidity | 96 (stronger) | 93 |
| Problem-loan coverage | 88 | 89 (stronger) |
| Peer percentile | 94th | 34th |
| Total assets | $130.7M | $129.2M |
| Deposits / shares | $109.2M | $116.2M |
| Capital ratio | 16.38% (stronger) | 12.22% |
| Problem loans | 0.24% (stronger) | 1.87% |
| Net charge-offs | -0.01% (stronger) | 0.06% |
| Return on assets | 1.05% | 1.09% (stronger) |
| Loans ÷ deposits | 51.8% | 32.1% (stronger) |
| Uninsured deposits | 18.7% (stronger) | 21.4% |
| Offices | 5 | 1 |
| 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 67). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of the South, Inc. leads on 5 and The Citizens Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.