Side-by-side · Q2 2026 data
First Citizens Bank vs Southern Independent Bank
Metric by metric
| Measure | First Citizens Bank | Southern Independent Bank |
|---|---|---|
| TellerScore | 87 | 87 |
| Capital cushion | 93 (stronger) | 86 |
| Loan quality | 75 | 97 (stronger) |
| Earnings | 100 (stronger) | 64 |
| Funding & liquidity | 78 | 95 (stronger) |
| Problem-loan coverage | 82 | 99 (stronger) |
| Peer percentile | 91st | 91st |
| Total assets | $402.6M | $395.3M |
| Deposits / shares | $344.1M | $336.5M |
| Capital ratio | 14.30% (stronger) | 13.63% |
| Problem loans | 0.76% | 0.08% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.04% |
| Return on assets | 2.01% (stronger) | 1.11% |
| Loans ÷ deposits | 66.4% | 53.1% (stronger) |
| Uninsured deposits | 29.5% | 19.5% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.0% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First Citizens Bank leads on 3 and Southern Independent Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.