Side-by-side · Q2 2026 data
Chillicothe State Bank vs Southern Bank
Metric by metric
| Measure | Chillicothe State Bank | Southern Bank |
|---|---|---|
| TellerScore | 64 | 70 (stronger) |
| Capital cushion | 29 | 54 (stronger) |
| Loan quality | 76 | 79 (stronger) |
| Earnings | 70 | 81 (stronger) |
| Funding & liquidity | 84 (stronger) | 58 |
| Problem-loan coverage | 92 (stronger) | 89 |
| Peer percentile | 26th | 58th |
| Total assets | $135.2M | $5.2B |
| Deposits / shares | $122.7M | $4.4B |
| Capital ratio | 7.89% | 10.45% (stronger) |
| Problem loans | 0.72% | 0.63% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.22% |
| Return on assets | 1.24% | 1.53% (stronger) |
| Loans ÷ deposits | 60.6% (stronger) | 98.1% |
| Uninsured deposits | 29.3% | 18.9% (stronger) |
| Offices | 1 | 64 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.8% |
Southern Bank has the higher TellerScore (70 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Chillicothe State Bank leads on 2 and Southern Bank on 5. 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.
Where both have branches
- Chillicothe, MO