Side-by-side · Q2 2026 data
First State Bank of the South, Inc. vs The Southern Bank Company
Metric by metric
| Measure | First State Bank of the South, Inc. | The Southern Bank Company |
|---|---|---|
| TellerScore | 89 (stronger) | 76 |
| Capital cushion | 100 | 100 |
| Loan quality | 92 (stronger) | 37 |
| Earnings | 62 | 73 (stronger) |
| Funding & liquidity | 96 (stronger) | 88 |
| Problem-loan coverage | 88 (stronger) | 87 |
| Peer percentile | 94th | 64th |
| Total assets | $130.7M | $133.1M |
| Deposits / shares | $109.2M | $104.8M |
| Capital ratio | 16.38% (stronger) | 15.05% |
| Problem loans | 0.24% (stronger) | 1.89% |
| Net charge-offs | -0.01% | -0.70% (stronger) |
| Return on assets | 1.05% | 1.32% (stronger) |
| Loans ÷ deposits | 51.8% (stronger) | 63.4% |
| Uninsured deposits | 18.7% (stronger) | 22.7% |
| Offices | 5 | 4 |
| 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 76). 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 Southern Bank Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.