Side-by-side · Q2 2026 data
West Alabama Bank & Trust vs First Southern Bank
Metric by metric
| Measure | West Alabama Bank & Trust | First Southern Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 18 |
| Capital cushion | 72 (stronger) | 39 |
| Loan quality | 85 (stronger) | 0 |
| Earnings | 71 (stronger) | 0 |
| Funding & liquidity | 77 (stronger) | 40 |
| Problem-loan coverage | 87 (stronger) | 0 |
| Peer percentile | 68th | 0th |
| Total assets | $929.0M | $679.2M |
| Deposits / shares | $806.4M | $577.1M |
| Capital ratio | 12.22% (stronger) | 8.95% |
| Problem loans | 0.44% (stronger) | 10.86% |
| Net charge-offs | 0.16% (stronger) | 4.60% |
| Return on assets | 1.28% (stronger) | -2.50% |
| Loans ÷ deposits | 74.0% (stronger) | 78.7% |
| Uninsured deposits | 23.0% (stronger) | 52.8% |
| Offices | 15 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.2% |
West Alabama Bank & Trust has the higher TellerScore (77 vs 18). On the 7 directional measures above (where higher or lower is clearly better), West Alabama Bank & Trust leads on 7 and First Southern Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.