Side-by-side · Q2 2026 data
United Southern Bank vs First State Bank
Metric by metric
| Measure | United Southern Bank | First State Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 70 |
| Capital cushion | 77 (stronger) | 62 |
| Loan quality | 88 (stronger) | 56 |
| Earnings | 78 | 89 (stronger) |
| Funding & liquidity | 70 | 79 (stronger) |
| Problem-loan coverage | 95 (stronger) | 82 |
| Peer percentile | 80th | 43rd |
| Total assets | $353.7M | $402.0M |
| Deposits / shares | $308.3M | $354.3M |
| Capital ratio | 12.66% (stronger) | 11.23% |
| Problem loans | 0.37% (stronger) | 1.33% |
| Net charge-offs | -0.01% (stronger) | 0.03% |
| Return on assets | 1.46% | 1.72% (stronger) |
| Loans ÷ deposits | 90.1% | 81.2% (stronger) |
| Uninsured deposits | 12.4% (stronger) | 14.3% |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Southern Bank has the higher TellerScore (81 vs 70). On the 7 directional measures above (where higher or lower is clearly better), United Southern Bank leads on 5 and First State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.