Side-by-side · Q2 2026 data
FNBC Bank vs Southern Bank
Metric by metric
| Measure | FNBC Bank | Southern Bank |
|---|---|---|
| TellerScore | 69 | 70 (stronger) |
| Capital cushion | 47 | 54 (stronger) |
| Loan quality | 74 | 79 (stronger) |
| Earnings | 84 (stronger) | 81 |
| Funding & liquidity | 75 (stronger) | 58 |
| Problem-loan coverage | 88 | 89 (stronger) |
| Peer percentile | 40th | 58th |
| Total assets | $843.3M | $5.2B |
| Deposits / shares | $704.1M | $4.4B |
| Capital ratio | 9.68% | 10.45% (stronger) |
| Problem loans | 0.79% | 0.63% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.22% |
| Return on assets | 1.60% (stronger) | 1.53% |
| Loans ÷ deposits | 85.6% (stronger) | 98.1% |
| Uninsured deposits | 12.1% (stronger) | 18.9% |
| Offices | 14 | 64 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.0% | 5.8% |
Southern Bank has the higher TellerScore (70 vs 69). On the 7 directional measures above (where higher or lower is clearly better), FNBC Bank leads on 4 and Southern Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.