Side-by-side · Q2 2026 data
The Cleveland State Bank vs First Southern Bank
Metric by metric
| Measure | The Cleveland State Bank | First Southern Bank |
|---|---|---|
| TellerScore | 76 | 83 (stronger) |
| Capital cushion | 62 (stronger) | 56 |
| Loan quality | 91 | 100 (stronger) |
| Earnings | 60 | 95 (stronger) |
| Funding & liquidity | 84 (stronger) | 79 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 64th | 84th |
| Total assets | $340.2M | $317.3M |
| Deposits / shares | $312.0M | $271.4M |
| Capital ratio | 11.18% (stronger) | 10.57% |
| Problem loans | 0.26% | 0.00% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.09% |
| Return on assets | 1.01% | 1.89% (stronger) |
| Loans ÷ deposits | 56.6% | 54.2% (stronger) |
| Uninsured deposits | 29.7% (stronger) | 34.1% |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Southern Bank has the higher TellerScore (83 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The Cleveland State Bank leads on 3 and First Southern Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.