Side-by-side · Q2 2026 data
Peoples Bank vs Southern Bank
Metric by metric
| Measure | Peoples Bank | Southern Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 70 |
| Capital cushion | 60 (stronger) | 54 |
| Loan quality | 92 (stronger) | 79 |
| Earnings | 90 (stronger) | 81 |
| Funding & liquidity | 72 (stronger) | 58 |
| Problem-loan coverage | 97 (stronger) | 89 |
| Peer percentile | 77th | 58th |
| Total assets | $248.7M | $5.2B |
| Deposits / shares | $227.1M | $4.4B |
| Capital ratio | 10.96% (stronger) | 10.45% |
| Problem loans | 0.23% (stronger) | 0.63% |
| Net charge-offs | 0.04% (stronger) | 0.22% |
| Return on assets | 1.75% (stronger) | 1.53% |
| Loans ÷ deposits | 75.1% (stronger) | 98.1% |
| Uninsured deposits | 26.9% | 18.9% (stronger) |
| Offices | 5 | 64 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.8% | 5.8% |
Peoples Bank has the higher TellerScore (80 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank leads on 6 and Southern Bank on 1. 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.