Side-by-side · Q2 2026 data
First Bank vs Southern Bank
Metric by metric
| Measure | First Bank | Southern Bank |
|---|---|---|
| TellerScore | 66 | 70 (stronger) |
| Capital cushion | 47 | 54 (stronger) |
| Loan quality | 91 (stronger) | 79 |
| Earnings | 46 | 81 (stronger) |
| Funding & liquidity | 72 (stronger) | 58 |
| Problem-loan coverage | 95 (stronger) | 89 |
| Peer percentile | 40th | 58th |
| Total assets | $6.7B | $5.2B |
| Deposits / shares | $5.8B | $4.4B |
| Capital ratio | 9.67% | 10.45% (stronger) |
| Problem loans | 0.27% (stronger) | 0.63% |
| Net charge-offs | 0.17% (stronger) | 0.22% |
| Return on assets | 0.66% | 1.53% (stronger) |
| Loans ÷ deposits | 72.3% (stronger) | 98.1% |
| Uninsured deposits | 29.6% | 18.9% (stronger) |
| Offices | 74 | 64 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.1% | 5.8% |
Southern Bank has the higher TellerScore (70 vs 66). On the 7 directional measures above (where higher or lower is clearly better), First Bank leads on 3 and Southern Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.