Side-by-side · Q2 2026 data
Academy Bank, National Association vs Southern Bank
Metric by metric
| Measure | Academy Bank, National Association | Southern Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 70 |
| Capital cushion | 93 (stronger) | 54 |
| Loan quality | 65 | 79 (stronger) |
| Earnings | 62 | 81 (stronger) |
| Funding & liquidity | 49 | 58 (stronger) |
| Problem-loan coverage | 90 (stronger) | 89 |
| Peer percentile | 70th | 58th |
| Total assets | $3.2B | $5.2B |
| Deposits / shares | $2.7B | $4.4B |
| Capital ratio | 14.35% (stronger) | 10.45% |
| Problem loans | 1.05% | 0.63% (stronger) |
| Net charge-offs | 0.29% | 0.22% (stronger) |
| Return on assets | 1.05% | 1.53% (stronger) |
| Loans ÷ deposits | 91.7% (stronger) | 98.1% |
| Uninsured deposits | 32.5% | 18.9% (stronger) |
| Offices | 80 | 64 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.2% | 5.8% |
Academy Bank, National Association has the higher TellerScore (73 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Academy Bank, National Association leads on 3 and Southern Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.