Side-by-side · Q2 2026 data
Friend Bank vs Southern Independent Bank
Metric by metric
| Measure | Friend Bank | Southern Independent Bank |
|---|---|---|
| TellerScore | 85 | 87 (stronger) |
| Capital cushion | 85 | 86 (stronger) |
| Loan quality | 84 | 97 (stronger) |
| Earnings | 87 (stronger) | 64 |
| Funding & liquidity | 75 | 95 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 88th | 91st |
| Total assets | $221.0M | $395.3M |
| Deposits / shares | $190.9M | $336.5M |
| Capital ratio | 13.52% | 13.63% (stronger) |
| Problem loans | 0.48% | 0.08% (stronger) |
| Net charge-offs | -0.12% (stronger) | 0.04% |
| Return on assets | 1.67% (stronger) | 1.11% |
| Loans ÷ deposits | 73.3% | 53.1% (stronger) |
| Uninsured deposits | 25.4% | 19.5% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.8% | — |
Southern Independent Bank has the higher TellerScore (87 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Friend Bank leads on 2 and Southern Independent Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.