Side-by-side · Q2 2026 data
The Bank of Vernon vs First State Bank of the South, Inc.
Metric by metric
| Measure | The Bank of Vernon | First State Bank of the South, Inc. |
|---|---|---|
| TellerScore | 85 | 89 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 84 | 92 (stronger) |
| Earnings | 71 (stronger) | 62 |
| Funding & liquidity | 69 | 96 (stronger) |
| Problem-loan coverage | 94 (stronger) | 88 |
| Peer percentile | 88th | 94th |
| Total assets | $445.4M | $130.7M |
| Deposits / shares | $373.6M | $109.2M |
| Capital ratio | 16.60% (stronger) | 16.38% |
| Problem loans | 0.47% | 0.24% (stronger) |
| Net charge-offs | 0.10% | -0.01% (stronger) |
| Return on assets | 1.27% (stronger) | 1.05% |
| Loans ÷ deposits | 87.8% | 51.8% (stronger) |
| Uninsured deposits | 18.2% (stronger) | 18.7% |
| Offices | 4 | 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 85). On the 7 directional measures above (where higher or lower is clearly better), The Bank of Vernon leads on 3 and First State Bank of the South, Inc. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.