Side-by-side · Q2 2026 data
American Bank vs Southern Heritage Bank
Metric by metric
| Measure | American Bank | Southern Heritage Bank |
|---|---|---|
| TellerScore | 38 | 73 (stronger) |
| Capital cushion | 51 | 55 (stronger) |
| Loan quality | 0 | 76 (stronger) |
| Earnings | 45 | 88 (stronger) |
| Funding & liquidity | 62 | 75 (stronger) |
| Problem-loan coverage | 39 | 85 (stronger) |
| Peer percentile | 2nd | 53rd |
| Total assets | $366.6M | $397.9M |
| Deposits / shares | $322.6M | $355.1M |
| Capital ratio | 10.08% | 10.54% (stronger) |
| Problem loans | 5.04% | 0.72% (stronger) |
| Net charge-offs | 0.12% (stronger) | 0.29% |
| Return on assets | 0.63% | 1.70% (stronger) |
| Loans ÷ deposits | 75.8% (stronger) | 80.6% |
| Uninsured deposits | 34.8% | 18.9% (stronger) |
| Offices | 5 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.1% | 7.8% |
Southern Heritage Bank has the higher TellerScore (73 vs 38). On the 7 directional measures above (where higher or lower is clearly better), American Bank leads on 2 and Southern Heritage Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.