Side-by-side · Q2 2026 data
City Bank & Trust Co. vs Southern Heritage Bank
Metric by metric
| Measure | City Bank & Trust Co. | Southern Heritage Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 73 |
| Capital cushion | 64 (stronger) | 55 |
| Loan quality | 100 (stronger) | 76 |
| Earnings | 86 | 88 (stronger) |
| Funding & liquidity | 77 (stronger) | 75 |
| Problem-loan coverage | 87 (stronger) | 85 |
| Peer percentile | 82nd | 53rd |
| Total assets | $382.0M | $397.9M |
| Deposits / shares | $334.0M | $355.1M |
| Capital ratio | 11.35% (stronger) | 10.54% |
| Problem loans | 0.00% (stronger) | 0.72% |
| Net charge-offs | 1.67% | 0.29% (stronger) |
| Return on assets | 1.64% | 1.70% (stronger) |
| Loans ÷ deposits | 71.3% (stronger) | 80.6% |
| Uninsured deposits | 25.9% | 18.9% (stronger) |
| Offices | 7 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.8% |
City Bank & Trust Co. has the higher TellerScore (82 vs 73). On the 7 directional measures above (where higher or lower is clearly better), City Bank & Trust Co. leads on 4 and Southern Heritage Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.