Side-by-side · Q2 2026 data
INSOUTH Bank vs Southern Bank of Tennessee
Metric by metric
| Measure | INSOUTH Bank | Southern Bank of Tennessee |
|---|---|---|
| TellerScore | 42 | 68 (stronger) |
| Capital cushion | 35 | 40 (stronger) |
| Loan quality | 24 | 98 (stronger) |
| Earnings | 54 | 71 (stronger) |
| Funding & liquidity | 59 (stronger) | 52 |
| Problem-loan coverage | 57 | 99 (stronger) |
| Peer percentile | 3rd | 37th |
| Total assets | $591.9M | $533.4M |
| Deposits / shares | $502.8M | $469.4M |
| Capital ratio | 8.48% | 9.01% (stronger) |
| Problem loans | 2.29% | 0.05% (stronger) |
| Net charge-offs | 0.15% (stronger) | 0.28% |
| Return on assets | 0.84% | 1.27% (stronger) |
| Loans ÷ deposits | 90.3% | 83.3% (stronger) |
| Uninsured deposits | 24.5% (stronger) | 37.0% |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.4% |
Southern Bank of Tennessee has the higher TellerScore (68 vs 42). On the 7 directional measures above (where higher or lower is clearly better), INSOUTH Bank leads on 2 and Southern Bank of Tennessee on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.