Side-by-side · Q2 2026 data
Community First Bank of the Heartland vs SouthernTrust Bank
Metric by metric
| Measure | Community First Bank of the Heartland | SouthernTrust Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 47 |
| Capital cushion | 51 | 52 (stronger) |
| Loan quality | 78 (stronger) | 14 |
| Earnings | 100 (stronger) | 72 |
| Funding & liquidity | 80 (stronger) | 48 |
| Problem-loan coverage | 89 (stronger) | 64 |
| Peer percentile | 64th | 5th |
| Total assets | $266.8M | $278.5M |
| Deposits / shares | $237.9M | $192.3M |
| Capital ratio | 10.14% | 10.23% (stronger) |
| Problem loans | 0.66% (stronger) | 2.59% |
| Net charge-offs | 0.06% (stronger) | 0.35% |
| Return on assets | 2.22% (stronger) | 1.29% |
| Loans ÷ deposits | 80.0% (stronger) | 108.1% |
| Uninsured deposits | 13.2% (stronger) | 18.7% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community First Bank of the Heartland has the higher TellerScore (76 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Community First Bank of the Heartland leads on 6 and SouthernTrust Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.