Side-by-side · Q2 2026 data
Richton Bank & Trust Company vs First Southern Bank
Metric by metric
| Measure | Richton Bank & Trust Company | First Southern Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 83 |
| Capital cushion | 100 (stronger) | 56 |
| Loan quality | 100 | 100 |
| Earnings | 52 | 95 (stronger) |
| Funding & liquidity | 100 (stronger) | 79 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 89th | 84th |
| Total assets | $52.0M | $317.3M |
| Deposits / shares | $43.1M | $271.4M |
| Capital ratio | 15.95% (stronger) | 10.57% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% (stronger) | 0.09% |
| Return on assets | 0.79% | 1.89% (stronger) |
| Loans ÷ deposits | 47.4% (stronger) | 54.2% |
| Uninsured deposits | 10.5% (stronger) | 34.1% |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Richton Bank & Trust Company has the higher TellerScore (90 vs 83). On the 6 directional measures above (where higher or lower is clearly better), Richton Bank & Trust Company leads on 5 and First Southern Bank on 1. 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
- Richton, MS