Side-by-side · Q2 2026 data
West Alabama Bank & Trust vs First State Bank of the South, Inc.
Metric by metric
| Measure | West Alabama Bank & Trust | First State Bank of the South, Inc. |
|---|---|---|
| TellerScore | 77 | 89 (stronger) |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 85 | 92 (stronger) |
| Earnings | 71 (stronger) | 62 |
| Funding & liquidity | 77 | 96 (stronger) |
| Problem-loan coverage | 87 | 88 (stronger) |
| Peer percentile | 68th | 94th |
| Total assets | $929.0M | $130.7M |
| Deposits / shares | $806.4M | $109.2M |
| Capital ratio | 12.22% | 16.38% (stronger) |
| Problem loans | 0.44% | 0.24% (stronger) |
| Net charge-offs | 0.16% | -0.01% (stronger) |
| Return on assets | 1.28% (stronger) | 1.05% |
| Loans ÷ deposits | 74.0% | 51.8% (stronger) |
| Uninsured deposits | 23.0% | 18.7% (stronger) |
| Offices | 15 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of the South, Inc. has the higher TellerScore (89 vs 77). On the 7 directional measures above (where higher or lower is clearly better), West Alabama Bank & Trust leads on 1 and First State Bank of the South, Inc. on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.