Side-by-side · Q2 2026 data
The First National Bank of Grayson vs United Southern Bank
Metric by metric
| Measure | The First National Bank of Grayson | United Southern Bank |
|---|---|---|
| TellerScore | 79 | 81 (stronger) |
| Capital cushion | 80 (stronger) | 77 |
| Loan quality | 68 | 88 (stronger) |
| Earnings | 93 (stronger) | 78 |
| Funding & liquidity | 73 (stronger) | 70 |
| Problem-loan coverage | 89 | 95 (stronger) |
| Peer percentile | 75th | 80th |
| Total assets | $371.9M | $353.7M |
| Deposits / shares | $325.5M | $308.3M |
| Capital ratio | 12.98% (stronger) | 12.66% |
| Problem loans | 0.96% | 0.37% (stronger) |
| Net charge-offs | 0.03% | -0.01% (stronger) |
| Return on assets | 1.84% (stronger) | 1.46% |
| Loans ÷ deposits | 72.9% (stronger) | 90.1% |
| Uninsured deposits | 27.4% | 12.4% (stronger) |
| Offices | 7 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.0% | — |
United Southern Bank has the higher TellerScore (81 vs 79). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Grayson leads on 3 and United Southern Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.