Side-by-side · Q2 2026 data
Local Bank vs First State Bank of the South, Inc.
Metric by metric
| Measure | Local Bank | First State Bank of the South, Inc. |
|---|---|---|
| TellerScore | 58 | 89 (stronger) |
| Capital cushion | 93 | 100 (stronger) |
| Loan quality | 53 | 92 (stronger) |
| Earnings | 0 | 62 (stronger) |
| Funding & liquidity | 53 | 96 (stronger) |
| Problem-loan coverage | 84 | 88 (stronger) |
| Peer percentile | 16th | 94th |
| Total assets | $111.3M | $130.7M |
| Deposits / shares | $87.5M | $109.2M |
| Capital ratio | 14.29% | 16.38% (stronger) |
| Problem loans | 1.42% | 0.24% (stronger) |
| Net charge-offs | 0.41% | -0.01% (stronger) |
| Return on assets | -1.47% | 1.05% (stronger) |
| Loans ÷ deposits | 97.8% | 51.8% (stronger) |
| Uninsured deposits | 23.7% | 18.7% (stronger) |
| Offices | 3 | 5 |
| 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 58). On the 7 directional measures above (where higher or lower is clearly better), Local Bank leads on 0 and First State Bank of the South, Inc. on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.