Side-by-side · Q2 2026 data
Bank of Winnfield & Trust Company vs Southern Heritage Bank
Metric by metric
| Measure | Bank of Winnfield & Trust Company | Southern Heritage Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 73 |
| Capital cushion | 94 (stronger) | 55 |
| Loan quality | 78 (stronger) | 76 |
| Earnings | 50 | 88 (stronger) |
| Funding & liquidity | 87 (stronger) | 75 |
| Problem-loan coverage | 96 (stronger) | 85 |
| Peer percentile | 77th | 53rd |
| Total assets | $156.0M | $397.9M |
| Deposits / shares | $136.9M | $355.1M |
| Capital ratio | 14.43% (stronger) | 10.54% |
| Problem loans | 0.67% (stronger) | 0.72% |
| Net charge-offs | 0.04% (stronger) | 0.29% |
| Return on assets | 0.74% | 1.70% (stronger) |
| Loans ÷ deposits | 41.4% (stronger) | 80.6% |
| Uninsured deposits | 27.3% | 18.9% (stronger) |
| Offices | 2 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.8% |
Bank of Winnfield & Trust Company has the higher TellerScore (80 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Bank of Winnfield & Trust Company leads on 5 and Southern Heritage Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.