Side-by-side · Q2 2026 data
Bank of Commerce & Trust Co. vs Southern Heritage Bank
Metric by metric
| Measure | Bank of Commerce & Trust Co. | Southern Heritage Bank |
|---|---|---|
| TellerScore | 72 | 73 (stronger) |
| Capital cushion | 61 (stronger) | 55 |
| Loan quality | 94 (stronger) | 76 |
| Earnings | 33 | 88 (stronger) |
| Funding & liquidity | 92 (stronger) | 75 |
| Problem-loan coverage | 99 (stronger) | 85 |
| Peer percentile | 50th | 53rd |
| Total assets | $377.9M | $397.9M |
| Deposits / shares | $332.0M | $355.1M |
| Capital ratio | 11.10% (stronger) | 10.54% |
| Problem loans | 0.19% (stronger) | 0.72% |
| Net charge-offs | 0.06% (stronger) | 0.29% |
| Return on assets | 0.32% | 1.70% (stronger) |
| Loans ÷ deposits | 29.6% (stronger) | 80.6% |
| Uninsured deposits | 22.6% | 18.9% (stronger) |
| Offices | 4 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.8% |
Southern Heritage Bank has the higher TellerScore (73 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Bank of Commerce & Trust Co. leads on 4 and Southern Heritage Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.