Side-by-side · Q2 2026 data
BTC Bank vs Southern Bank
Metric by metric
| Measure | BTC Bank | Southern Bank |
|---|---|---|
| TellerScore | 60 | 70 (stronger) |
| Capital cushion | 44 | 54 (stronger) |
| Loan quality | 76 | 79 (stronger) |
| Earnings | 56 | 81 (stronger) |
| Funding & liquidity | 54 | 58 (stronger) |
| Problem-loan coverage | 88 | 89 (stronger) |
| Peer percentile | 21st | 58th |
| Total assets | $1.9B | $5.2B |
| Deposits / shares | $1.4B | $4.4B |
| Capital ratio | 9.35% | 10.45% (stronger) |
| Problem loans | 0.72% | 0.63% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.22% |
| Return on assets | 0.90% | 1.53% (stronger) |
| Loans ÷ deposits | 105.8% | 98.1% (stronger) |
| Uninsured deposits | 9.8% (stronger) | 18.9% |
| Offices | 30 | 64 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.3% | 5.8% |
Southern Bank has the higher TellerScore (70 vs 60). On the 7 directional measures above (where higher or lower is clearly better), BTC Bank leads on 2 and Southern Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Chillicothe, MO
- Boonville, MO
- Trenton, MO