Side-by-side · Q2 2026 data
Farmers Bank & Trust Company vs Southern Bancorp Bank
Metric by metric
| Measure | Farmers Bank & Trust Company | Southern Bancorp Bank |
|---|---|---|
| TellerScore | 61 | 61 |
| Capital cushion | 49 | 69 (stronger) |
| Loan quality | 56 (stronger) | 53 |
| Earnings | 78 (stronger) | 56 |
| Funding & liquidity | 56 (stronger) | 49 |
| Problem-loan coverage | 80 | 84 (stronger) |
| Peer percentile | 24th | 24th |
| Total assets | $3.2B | $3.0B |
| Deposits / shares | $2.7B | $2.3B |
| Capital ratio | 9.87% | 11.85% (stronger) |
| Problem loans | 1.32% (stronger) | 1.42% |
| Net charge-offs | 0.19% | 0.12% (stronger) |
| Return on assets | 1.44% (stronger) | 0.89% |
| Loans ÷ deposits | 88.2% | 83.8% (stronger) |
| Uninsured deposits | 29.4% (stronger) | 39.2% |
| Offices | 24 | 47 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.9% | 12.4% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Farmers Bank & Trust Company leads on 3 and Southern Bancorp Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Malvern, AR
- Glenwood, AR
- Mount Ida, AR