Side-by-side · Q2 2026 data
Dozier Bank vs Southern Independent Bank
Metric by metric
| Measure | Dozier Bank | Southern Independent Bank |
|---|---|---|
| TellerScore | 73 | 87 (stronger) |
| Capital cushion | 100 (stronger) | 86 |
| Loan quality | 39 | 97 (stronger) |
| Earnings | 62 | 64 (stronger) |
| Funding & liquidity | 73 | 95 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 48th | 91st |
| Total assets | $54.8M | $395.3M |
| Deposits / shares | $40.3M | $336.5M |
| Capital ratio | 26.77% (stronger) | 13.63% |
| Problem loans | 1.84% | 0.08% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 1.06% | 1.11% (stronger) |
| Loans ÷ deposits | 49.2% (stronger) | 53.1% |
| Uninsured deposits | 39.3% | 19.5% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southern Independent Bank has the higher TellerScore (87 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Dozier Bank leads on 3 and Southern Independent Bank on 4. 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.