Side-by-side · Q2 2026 data
The Monticello Banking Company vs First Southern National Bank
Metric by metric
| Measure | The Monticello Banking Company | First Southern National Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 68 |
| Capital cushion | 52 | 58 (stronger) |
| Loan quality | 96 (stronger) | 80 |
| Earnings | 59 (stronger) | 53 |
| Funding & liquidity | 62 | 73 (stronger) |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 63rd | 49th |
| Total assets | $1.1B | $1.3B |
| Deposits / shares | $924.3M | $1.1B |
| Capital ratio | 10.17% | 10.85% (stronger) |
| Problem loans | 0.11% (stronger) | 0.61% |
| Net charge-offs | 0.01% (stronger) | 0.05% |
| Return on assets | 0.97% (stronger) | 0.82% |
| Loans ÷ deposits | 82.8% | 69.8% (stronger) |
| Uninsured deposits | 28.7% (stronger) | 30.5% |
| Offices | 21 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | — |
The Monticello Banking Company has the higher TellerScore (71 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The Monticello Banking Company leads on 5 and First Southern National Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.