Side-by-side · Q2 2026 data
PeoplesSouth Bank vs Community South Credit Union
Metric by metric
| Measure | PeoplesSouth Bank | Community South Credit Union |
|---|---|---|
| TellerScore | 69 | 71 (stronger) |
| Capital cushion | 54 | 81 (stronger) |
| Loan quality | 66 | 68 (stronger) |
| Earnings | 81 (stronger) | 48 |
| Funding & liquidity | 80 (stronger) | 73 |
| Problem-loan coverage | 80 | 89 (stronger) |
| Peer percentile | 53rd | 54th |
| Total assets | $1.2B | $244.6M |
| Deposits / shares | $1.1B | $209.4M |
| Capital ratio | 10.45% | 13.05% (stronger) |
| Problem loans | 1.02% | 0.96% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.48% |
| Return on assets | 1.53% (stronger) | 0.71% |
| Loans ÷ deposits | 77.1% (stronger) | 86.9% |
| Uninsured deposits | 18.1% | 3.3% (stronger) |
| Offices | 34 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.5% | — |
Community South Credit Union has the higher TellerScore (71 vs 69). On the 7 directional measures above (where higher or lower is clearly better), PeoplesSouth Bank leads on 3 and Community South Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Bonifay, FL
- Chipley, FL