Side-by-side · Q2 2026 data
MidSouth Bank vs Peoples Bank of Graceville
Metric by metric
| Measure | MidSouth Bank | Peoples Bank of Graceville |
|---|---|---|
| TellerScore | 66 | 75 (stronger) |
| Capital cushion | 43 | 53 (stronger) |
| Loan quality | 91 (stronger) | 89 |
| Earnings | 53 | 61 (stronger) |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 31st | 61st |
| Total assets | $771.5M | $115.8M |
| Deposits / shares | $702.8M | $106.5M |
| Capital ratio | 9.30% | 10.29% (stronger) |
| Problem loans | 0.28% (stronger) | 0.34% |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 0.82% | 1.02% (stronger) |
| Loans ÷ deposits | 62.6% | 39.7% (stronger) |
| Uninsured deposits | 40.9% | 14.6% (stronger) |
| Offices | 14 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Peoples Bank of Graceville has the higher TellerScore (75 vs 66). On the 7 directional measures above (where higher or lower is clearly better), MidSouth Bank leads on 2 and Peoples Bank of Graceville on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.