Side-by-side · Q2 2026 data
Peoples Bank of the South vs First Farmers & Commercial Bank
Metric by metric
| Measure | Peoples Bank of the South | First Farmers & Commercial Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 71 |
| Capital cushion | 74 (stronger) | 49 |
| Loan quality | 72 | 98 (stronger) |
| Earnings | 100 (stronger) | 53 |
| Funding & liquidity | 44 | 77 (stronger) |
| Problem-loan coverage | 89 | 99 (stronger) |
| Peer percentile | 64th | 47th |
| Total assets | $232.0M | $226.4M |
| Deposits / shares | $190.5M | $202.8M |
| Capital ratio | 12.43% (stronger) | 9.86% |
| Problem loans | 0.85% | 0.07% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 3.10% (stronger) | 0.82% |
| Loans ÷ deposits | 104.2% | 80.3% (stronger) |
| Uninsured deposits | 25.6% | 17.4% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Peoples Bank of the South has the higher TellerScore (76 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank of the South leads on 3 and First Farmers & Commercial Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.