Side-by-side · Q2 2026 data
Merchants & Planters' Bank vs Southern Bank
Metric by metric
| Measure | Merchants & Planters' Bank | Southern Bank |
|---|---|---|
| TellerScore | 62 | 70 (stronger) |
| Capital cushion | 52 | 54 (stronger) |
| Loan quality | 57 | 79 (stronger) |
| Earnings | 58 | 81 (stronger) |
| Funding & liquidity | 80 (stronger) | 58 |
| Problem-loan coverage | 87 | 89 (stronger) |
| Peer percentile | 22nd | 58th |
| Total assets | $379.4M | $5.2B |
| Deposits / shares | $340.9M | $4.4B |
| Capital ratio | 10.15% | 10.45% (stronger) |
| Problem loans | 1.29% | 0.63% (stronger) |
| Net charge-offs | -0.26% (stronger) | 0.22% |
| Return on assets | 0.95% | 1.53% (stronger) |
| Loans ÷ deposits | 52.8% (stronger) | 98.1% |
| Uninsured deposits | 32.8% | 18.9% (stronger) |
| Offices | 10 | 64 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.8% |
Southern Bank has the higher TellerScore (70 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Merchants & Planters' Bank leads on 2 and Southern Bank on 5. 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.