Side-by-side · Q2 2026 data
Perennial Bank vs Security Bank & Trust Company
Metric by metric
| Measure | Perennial Bank | Security Bank & Trust Company |
|---|---|---|
| TellerScore | 63 | 74 (stronger) |
| Capital cushion | 45 (stronger) | 44 |
| Loan quality | 55 | 89 (stronger) |
| Earnings | 60 | 98 (stronger) |
| Funding & liquidity | 100 (stronger) | 60 |
| Problem-loan coverage | 87 | 96 (stronger) |
| Peer percentile | 24th | 74th |
| Total assets | $158.1M | $1.3B |
| Deposits / shares | $144.6M | $1.2B |
| Capital ratio | 9.48% (stronger) | 9.37% |
| Problem loans | 1.36% | 0.34% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.07% |
| Return on assets | 1.00% | 1.96% (stronger) |
| Loans ÷ deposits | 44.6% (stronger) | 71.3% |
| Uninsured deposits | 11.1% (stronger) | 40.9% |
| Offices | 4 | 19 |
| CFPB complaints (3 yrs) | — | 124 |
| Complaints per $1B deposits | — | 103.3 |
| Mortgage denial rate (HMDA) | — | 2.6% |
Security Bank & Trust Company has the higher TellerScore (74 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Perennial Bank leads on 4 and Security Bank & Trust Company on 3. 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.