Side-by-side · Q2 2026 data
First State Community Bank vs Southern Bank
Metric by metric
| Measure | First State Community Bank | Southern Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 70 |
| Capital cushion | 67 (stronger) | 54 |
| Loan quality | 64 | 79 (stronger) |
| Earnings | 93 (stronger) | 81 |
| Funding & liquidity | 61 (stronger) | 58 |
| Problem-loan coverage | 87 | 89 (stronger) |
| Peer percentile | 70th | 58th |
| Total assets | $4.5B | $5.2B |
| Deposits / shares | $3.8B | $4.4B |
| Capital ratio | 11.68% (stronger) | 10.45% |
| Problem loans | 1.07% | 0.63% (stronger) |
| Net charge-offs | 0.12% (stronger) | 0.22% |
| Return on assets | 1.82% (stronger) | 1.53% |
| Loans ÷ deposits | 90.4% (stronger) | 98.1% |
| Uninsured deposits | 23.0% | 18.9% (stronger) |
| Offices | 48 | 64 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.4% | 5.8% |
First State Community Bank has the higher TellerScore (73 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First State Community Bank leads on 5 and Southern Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Cape Girardeau, MO
- Jackson, MO
- Boonville, MO
- Macon, MO
- Rolla, MO
- Sikeston, MO
- Kennett, MO