Side-by-side · Q2 2026 data
Legence Bank vs First Southern Bank
Metric by metric
| Measure | Legence Bank | First Southern Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 49 |
| Capital cushion | 45 | 59 (stronger) |
| Loan quality | 61 (stronger) | 0 |
| Earnings | 98 (stronger) | 75 |
| Funding & liquidity | 84 (stronger) | 67 |
| Problem-loan coverage | 86 (stronger) | 63 |
| Peer percentile | 43rd | 6th |
| Total assets | $642.9M | $1.0B |
| Deposits / shares | $573.6M | $904.3M |
| Capital ratio | 9.55% | 10.85% (stronger) |
| Problem loans | 1.17% (stronger) | 3.00% |
| Net charge-offs | 0.44% | 0.44% (stronger) |
| Return on assets | 1.96% (stronger) | 1.37% |
| Loans ÷ deposits | 69.0% (stronger) | 71.7% |
| Uninsured deposits | 21.2% (stronger) | 34.6% |
| Offices | 11 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.3% | — |
Legence Bank has the higher TellerScore (70 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Legence Bank leads on 5 and First Southern Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Marion, IL
- Carbondale, IL
- Eldorado, IL