Side-by-side · Q2 2026 data
Independence Bank vs Southern Hills Community Bank
Metric by metric
| Measure | Independence Bank | Southern Hills Community Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 71 |
| Capital cushion | 95 (stronger) | 88 |
| Loan quality | 91 (stronger) | 47 |
| Earnings | 55 (stronger) | 45 |
| Funding & liquidity | 59 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 86 |
| Peer percentile | 80th | 47th |
| Total assets | $191.2M | $209.6M |
| Deposits / shares | $161.6M | $179.5M |
| Capital ratio | 14.46% (stronger) | 13.77% |
| Problem loans | 0.26% (stronger) | 1.58% |
| Net charge-offs | 0.49% | 0.14% (stronger) |
| Return on assets | 0.87% (stronger) | 0.62% |
| Loans ÷ deposits | 62.1% | 57.2% (stronger) |
| Uninsured deposits | 50.5% | 14.9% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.4% |
Independence Bank has the higher TellerScore (81 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Independence Bank leads on 4 and Southern Hills Community Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.