Side-by-side · Q2 2026 data
Liberty Bank vs The Southern Bank Company
Metric by metric
| Measure | Liberty Bank | The Southern Bank Company |
|---|---|---|
| TellerScore | 81 (stronger) | 76 |
| Capital cushion | 63 | 100 (stronger) |
| Loan quality | 95 (stronger) | 37 |
| Earnings | 88 (stronger) | 73 |
| Funding & liquidity | 74 | 88 (stronger) |
| Problem-loan coverage | 98 (stronger) | 87 |
| Peer percentile | 80th | 64th |
| Total assets | $258.6M | $133.1M |
| Deposits / shares | $229.9M | $104.8M |
| Capital ratio | 11.30% | 15.05% (stronger) |
| Problem loans | 0.15% (stronger) | 1.89% |
| Net charge-offs | 0.04% | -0.70% (stronger) |
| Return on assets | 1.69% (stronger) | 1.32% |
| Loans ÷ deposits | 79.3% | 63.4% (stronger) |
| Uninsured deposits | 21.0% (stronger) | 22.7% |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Liberty Bank has the higher TellerScore (81 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Liberty Bank leads on 4 and The Southern Bank Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.