Side-by-side · Q2 2026 data
Bank of Zachary vs Southern Heritage Bank
Metric by metric
| Measure | Bank of Zachary | Southern Heritage Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 73 |
| Capital cushion | 69 (stronger) | 55 |
| Loan quality | 98 (stronger) | 76 |
| Earnings | 59 | 88 (stronger) |
| Funding & liquidity | 61 | 75 (stronger) |
| Problem-loan coverage | 99 (stronger) | 85 |
| Peer percentile | 64th | 53rd |
| Total assets | $416.0M | $397.9M |
| Deposits / shares | $359.7M | $355.1M |
| Capital ratio | 11.92% (stronger) | 10.54% |
| Problem loans | 0.07% (stronger) | 0.72% |
| Net charge-offs | 0.16% (stronger) | 0.29% |
| Return on assets | 0.98% | 1.70% (stronger) |
| Loans ÷ deposits | 84.9% | 80.6% (stronger) |
| Uninsured deposits | 27.8% | 18.9% (stronger) |
| Offices | 5 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.1% | 7.8% |
Bank of Zachary has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Bank of Zachary leads on 4 and Southern Heritage Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.