Side-by-side · Q2 2026 data
North Shore Trust and Savings vs SouthernTrust Bank
Metric by metric
| Measure | North Shore Trust and Savings | SouthernTrust Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 47 |
| Capital cushion | 100 (stronger) | 52 |
| Loan quality | 38 (stronger) | 14 |
| Earnings | 56 | 72 (stronger) |
| Funding & liquidity | 97 (stronger) | 48 |
| Problem-loan coverage | 92 (stronger) | 64 |
| Peer percentile | 57th | 5th |
| Total assets | $270.3M | $278.5M |
| Deposits / shares | $201.3M | $192.3M |
| Capital ratio | 25.24% (stronger) | 10.23% |
| Problem loans | 1.87% (stronger) | 2.59% |
| Net charge-offs | 0.00% (stronger) | 0.35% |
| Return on assets | 0.90% | 1.29% (stronger) |
| Loans ÷ deposits | 63.5% (stronger) | 108.1% |
| Uninsured deposits | 14.9% (stronger) | 18.7% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.8% | — |
North Shore Trust and Savings has the higher TellerScore (74 vs 47). On the 7 directional measures above (where higher or lower is clearly better), North Shore Trust and Savings leads on 6 and SouthernTrust Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.