Side-by-side · Q2 2026 data
Sweet Water State Bank vs First State Bank of the South, Inc.
Metric by metric
| Measure | Sweet Water State Bank | First State Bank of the South, Inc. |
|---|---|---|
| TellerScore | 67 | 89 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 57 | 92 (stronger) |
| Earnings | 84 (stronger) | 62 |
| Funding & liquidity | 92 | 96 (stronger) |
| Problem-loan coverage | 84 | 88 (stronger) |
| Peer percentile | 34th | 94th |
| Total assets | $150.0M | $130.7M |
| Deposits / shares | $134.8M | $109.2M |
| Capital ratio | 9.74% | 16.38% (stronger) |
| Problem loans | 1.30% | 0.24% (stronger) |
| Net charge-offs | 0.44% | -0.01% (stronger) |
| Return on assets | 1.59% (stronger) | 1.05% |
| Loans ÷ deposits | 56.9% | 51.8% (stronger) |
| Uninsured deposits | 22.9% | 18.7% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of the South, Inc. has the higher TellerScore (89 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Sweet Water State Bank leads on 1 and First State Bank of the South, Inc. on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.