Side-by-side · Q2 2026 data
Bank of York vs Southern Bank
Metric by metric
| Measure | Bank of York | Southern Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 59 |
| Capital cushion | 79 (stronger) | 32 |
| Loan quality | 71 | 91 (stronger) |
| Earnings | 89 (stronger) | 24 |
| Funding & liquidity | 91 (stronger) | 84 |
| Problem-loan coverage | 96 (stronger) | 92 |
| Peer percentile | 84th | 17th |
| Total assets | $317.7M | $407.9M |
| Deposits / shares | $274.2M | $358.4M |
| Capital ratio | 12.88% (stronger) | 8.18% |
| Problem loans | 0.86% | 0.28% (stronger) |
| Net charge-offs | 0.00% | -0.03% (stronger) |
| Return on assets | 1.73% (stronger) | 0.10% |
| Loans ÷ deposits | 35.5% (stronger) | 73.2% |
| Uninsured deposits | 23.7% | 17.8% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.2% | 25.0% |
Bank of York has the higher TellerScore (83 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Bank of York leads on 4 and Southern Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.