Side-by-side · Q2 2026 data
MidSouth Bank vs First Community Bank of Central Alabama
Metric by metric
| Measure | MidSouth Bank | First Community Bank of Central Alabama |
|---|---|---|
| TellerScore | 66 | 74 (stronger) |
| Capital cushion | 43 (stronger) | 36 |
| Loan quality | 91 | 97 (stronger) |
| Earnings | 53 | 100 (stronger) |
| Funding & liquidity | 69 (stronger) | 61 |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 31st | 57th |
| Total assets | $771.5M | $694.3M |
| Deposits / shares | $702.8M | $638.3M |
| Capital ratio | 9.30% (stronger) | 8.57% |
| Problem loans | 0.28% | 0.10% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 0.82% | 2.44% (stronger) |
| Loans ÷ deposits | 62.6% (stronger) | 77.7% |
| Uninsured deposits | 40.9% | 34.6% (stronger) |
| Offices | 14 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Community Bank of Central Alabama has the higher TellerScore (74 vs 66). On the 7 directional measures above (where higher or lower is clearly better), MidSouth Bank leads on 3 and First Community Bank of Central Alabama on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.