Side-by-side · Q2 2026 data
Pinnacle Bank vs Southern Independent Bank
Metric by metric
| Measure | Pinnacle Bank | Southern Independent Bank |
|---|---|---|
| TellerScore | 76 | 87 (stronger) |
| Capital cushion | 63 | 86 (stronger) |
| Loan quality | 99 (stronger) | 97 |
| Earnings | 66 (stronger) | 64 |
| Funding & liquidity | 64 | 95 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 64th | 91st |
| Total assets | $384.5M | $395.3M |
| Deposits / shares | $355.0M | $336.5M |
| Capital ratio | 11.30% | 13.63% (stronger) |
| Problem loans | 0.02% (stronger) | 0.08% |
| Net charge-offs | 0.05% | 0.04% (stronger) |
| Return on assets | 1.15% (stronger) | 1.11% |
| Loans ÷ deposits | 37.8% (stronger) | 53.1% |
| Uninsured deposits | 48.0% | 19.5% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southern Independent Bank has the higher TellerScore (87 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Pinnacle Bank leads on 3 and Southern Independent Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.