Side-by-side · Q2 2026 data
First Bank vs Southern Bank and Trust Company
Metric by metric
| Measure | First Bank | Southern Bank and Trust Company |
|---|---|---|
| TellerScore | 74 (stronger) | 70 |
| Capital cushion | 65 (stronger) | 46 |
| Loan quality | 84 | 96 (stronger) |
| Earnings | 83 (stronger) | 76 |
| Funding & liquidity | 51 (stronger) | 50 |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 87th | 58th |
| Total assets | $13.0B | $5.3B |
| Deposits / shares | $11.1B | $4.8B |
| Capital ratio | 11.50% (stronger) | 9.63% |
| Problem loans | 0.49% | 0.12% (stronger) |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 1.56% (stronger) | 1.40% |
| Loans ÷ deposits | 80.0% | 73.9% (stronger) |
| Uninsured deposits | 41.0% (stronger) | 47.7% |
| Offices | 111 | 56 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | 12.5% |
First Bank has the higher TellerScore (74 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First Bank leads on 4 and Southern Bank and Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Wilmington, NC
- Goldsboro, NC
- Greenville, NC
- Belhaven, NC
- Kill Devil Hills, NC
- Morehead City, NC
- Raleigh, NC
- Kenansville, NC
- Clinton, NC
- Elizabeth City, NC