Side-by-side · Q2 2026 data
CCB Community Bank vs Southern Independent Bank
Metric by metric
| Measure | CCB Community Bank | Southern Independent Bank |
|---|---|---|
| TellerScore | 79 | 87 (stronger) |
| Capital cushion | 55 | 86 (stronger) |
| Loan quality | 94 | 97 (stronger) |
| Earnings | 100 (stronger) | 64 |
| Funding & liquidity | 64 | 95 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 75th | 91st |
| Total assets | $661.9M | $395.3M |
| Deposits / shares | $592.5M | $336.5M |
| Capital ratio | 10.53% | 13.63% (stronger) |
| Problem loans | 0.19% | 0.08% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.04% |
| Return on assets | 2.34% (stronger) | 1.11% |
| Loans ÷ deposits | 85.1% | 53.1% (stronger) |
| Uninsured deposits | 25.2% | 19.5% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.9% | — |
Southern Independent Bank has the higher TellerScore (87 vs 79). On the 7 directional measures above (where higher or lower is clearly better), CCB Community Bank leads on 2 and Southern Independent Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Andalusia, AL
- Opp, AL