Side-by-side · Q2 2026 data
Fm Bank And Trust vs Southern Bank
Metric by metric
| Measure | Fm Bank And Trust | Southern Bank |
|---|---|---|
| TellerScore | 69 | 70 (stronger) |
| Capital cushion | 36 | 54 (stronger) |
| Loan quality | 83 (stronger) | 79 |
| Earnings | 100 (stronger) | 81 |
| Funding & liquidity | 56 | 58 (stronger) |
| Problem-loan coverage | 90 (stronger) | 89 |
| Peer percentile | 53rd | 58th |
| Total assets | $1.4B | $5.2B |
| Deposits / shares | $1.2B | $4.4B |
| Capital ratio | 8.62% | 10.45% (stronger) |
| Problem loans | 0.52% (stronger) | 0.63% |
| Net charge-offs | 0.10% (stronger) | 0.22% |
| Return on assets | 2.37% (stronger) | 1.53% |
| Loans ÷ deposits | 91.9% (stronger) | 98.1% |
| Uninsured deposits | 26.3% | 18.9% (stronger) |
| Offices | 13 | 64 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.8% |
Southern Bank has the higher TellerScore (70 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Fm Bank And Trust leads on 4 and Southern Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.