Bank Comparison
First Southern Bank vs County Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 15
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Southern Bank | County Bank |
|---|---|---|
| CET1 Ratio | — | 18.94% |
| Tier 1 Capital Ratio | — | 18.94% |
| Total Capital Ratio | — | 19.78% |
| Tier 1 Leverage Ratio | 8.66% | 15.36% |
| Equity / Assets | 8.86% | 14.12% |
Profitability
| Metric | First Southern Bank | County Bank |
|---|---|---|
| Return on Assets (ROA) | -4.34% | 3.27% |
| Return on Equity (ROE) | -47.61% | 23.64% |
| Net Interest Margin (NIM) | 3.37% | 5.23% |
| Yield on Earning Assets | 5.80% | 6.37% |
| Cost of Funds | 2.55% | 1.31% |
Asset quality
| Metric | First Southern Bank | County Bank |
|---|---|---|
| Texas Ratio | 51.53% | 1.29% |
| Non-Performing Loan Ratio | 7.54% | 0.26% |
| Non-Performing Asset Ratio | 5.20% | 0.19% |
| Net Charge-Off Ratio | 9.67% | 0.04% |
| ACL / Loans | 1.89% | 0.88% |
Balance sheet
| Metric | First Southern Bank | County Bank |
|---|---|---|
| Total Assets | $685,065K | $684,818K |
| Total Deposits | $582,234K | $567,932K |
| Total Loans | $470,782K | $505,761K |
| Total Equity | $60,730K | $96,720K |
| Net Income (quarter) | $-7,691 | $5,591K |
Liquidity & funding
| Metric | First Southern Bank | County Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 80.86% | 89.05% |
| Core Deposit Ratio | 88.65% | 91.40% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Southern Bank | County Bank |
|---|---|---|
| Headquarters City | FLORENCE | REHOBOTH BEACH |
| Headquarters State | AL | DE |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 10 | 7 |
| Employees (FTE) | 106 | 89 |
| Established | Jan. 1, 1934, midnight | July 9, 1990, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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