Side-by-side · Q2 2026 data
Caldwell Bank & Trust Company vs Southern Heritage Bank
Metric by metric
| Measure | Caldwell Bank & Trust Company | Southern Heritage Bank |
|---|---|---|
| TellerScore | 41 | 73 (stronger) |
| Capital cushion | 50 | 55 (stronger) |
| Loan quality | 5 | 76 (stronger) |
| Earnings | 59 | 88 (stronger) |
| Funding & liquidity | 52 | 75 (stronger) |
| Problem-loan coverage | 55 | 85 (stronger) |
| Peer percentile | 3rd | 53rd |
| Total assets | $298.6M | $397.9M |
| Deposits / shares | $257.6M | $355.1M |
| Capital ratio | 10.03% | 10.54% (stronger) |
| Problem loans | 2.86% | 0.72% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.29% |
| Return on assets | 0.98% | 1.70% (stronger) |
| Loans ÷ deposits | 87.6% | 80.6% (stronger) |
| Uninsured deposits | 34.0% | 18.9% (stronger) |
| Offices | 6 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.8% |
Southern Heritage Bank has the higher TellerScore (73 vs 41). On the 7 directional measures above (where higher or lower is clearly better), Caldwell Bank & Trust Company leads on 1 and Southern Heritage Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Olla, LA