Side-by-side · Q2 2026 data
CBL State Savings Bank vs Southern First Bank
Metric by metric
| Measure | CBL State Savings Bank | Southern First Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 59 |
| Capital cushion | 100 (stronger) | 39 |
| Loan quality | 100 (stronger) | 91 |
| Earnings | 24 | 58 (stronger) |
| Funding & liquidity | 67 (stronger) | 26 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 77th | 19th |
| Total assets | $191.3M | $4.7B |
| Deposits / shares | $125.9M | $4.0B |
| Capital ratio | 15.93% (stronger) | 8.89% |
| Problem loans | 0.01% (stronger) | 0.28% |
| Net charge-offs | -0.05% (stronger) | 0.01% |
| Return on assets | 0.10% | 0.96% (stronger) |
| Loans ÷ deposits | 92.6% (stronger) | 99.8% |
| Uninsured deposits | 15.5% (stronger) | 45.9% |
| Offices | 2 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.6% |
CBL State Savings Bank has the higher TellerScore (80 vs 59). On the 7 directional measures above (where higher or lower is clearly better), CBL State Savings Bank leads on 6 and Southern First Bank on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.