Side-by-side · Q2 2026 data
PeoplesSouth Bank vs Calhoun Liberty Credit Union
Metric by metric
| Measure | PeoplesSouth Bank | Calhoun Liberty Credit Union |
|---|---|---|
| TellerScore | 69 | 74 (stronger) |
| Capital cushion | 54 | 57 (stronger) |
| Loan quality | 66 | 100 (stronger) |
| Earnings | 81 (stronger) | 57 |
| Funding & liquidity | 80 (stronger) | 74 |
| Problem-loan coverage | 80 | 96 (stronger) |
| Peer percentile | 53rd | 63rd |
| Total assets | $1.2B | $179.8M |
| Deposits / shares | $1.1B | $151.4M |
| Capital ratio | 10.45% | 10.66% (stronger) |
| Problem loans | 1.02% | 0.01% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.13% |
| Return on assets | 1.53% (stronger) | 0.92% |
| Loans ÷ deposits | 77.1% (stronger) | 85.9% |
| Uninsured deposits | 18.1% | 4.6% (stronger) |
| Offices | 34 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.5% | 5.8% |
Calhoun Liberty Credit Union has the higher TellerScore (74 vs 69). On the 7 directional measures above (where higher or lower is clearly better), PeoplesSouth Bank leads on 3 and Calhoun Liberty Credit Union on 4. 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.
Where both have branches
- Blountstown, FL
- Tallahassee, FL