Side-by-side · Q2 2026 data
Bank of Salem vs Southern Bank
Metric by metric
| Measure | Bank of Salem | Southern Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 70 |
| Capital cushion | 74 (stronger) | 54 |
| Loan quality | 40 | 79 (stronger) |
| Earnings | 100 (stronger) | 81 |
| Funding & liquidity | 74 (stronger) | 58 |
| Problem-loan coverage | 80 | 89 (stronger) |
| Peer percentile | 47th | 58th |
| Total assets | $261.5M | $5.2B |
| Deposits / shares | $227.6M | $4.4B |
| Capital ratio | 12.43% (stronger) | 10.45% |
| Problem loans | 1.79% | 0.63% (stronger) |
| Net charge-offs | 0.25% | 0.22% (stronger) |
| Return on assets | 2.03% (stronger) | 1.53% |
| Loans ÷ deposits | 86.2% (stronger) | 98.1% |
| Uninsured deposits | 15.2% (stronger) | 18.9% |
| Offices | 4 | 64 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.8% |
Bank of Salem has the higher TellerScore (71 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Bank of Salem leads on 5 and Southern Bank on 2. 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.