Side-by-side · Q2 2026 data
United Southern Bank vs 1st Trust Bank, Inc.
Metric by metric
| Measure | United Southern Bank | 1st Trust Bank, Inc. |
|---|---|---|
| TellerScore | 81 (stronger) | 64 |
| Capital cushion | 77 (stronger) | 46 |
| Loan quality | 88 | 95 (stronger) |
| Earnings | 78 (stronger) | 50 |
| Funding & liquidity | 70 (stronger) | 47 |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 80th | 26th |
| Total assets | $353.7M | $351.7M |
| Deposits / shares | $308.3M | $309.2M |
| Capital ratio | 12.66% (stronger) | 9.65% |
| Problem loans | 0.37% | 0.15% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.01% |
| Return on assets | 1.46% (stronger) | 0.75% |
| Loans ÷ deposits | 90.1% (stronger) | 95.5% |
| Uninsured deposits | 12.4% (stronger) | 30.7% |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Southern Bank has the higher TellerScore (81 vs 64). On the 7 directional measures above (where higher or lower is clearly better), United Southern Bank leads on 6 and 1st Trust Bank, Inc. on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.