Side-by-side · Q2 2026 data
Premier Bank of the South vs Southern Independent Bank
Metric by metric
| Measure | Premier Bank of the South | Southern Independent Bank |
|---|---|---|
| TellerScore | 72 | 87 (stronger) |
| Capital cushion | 44 | 86 (stronger) |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 63 | 64 (stronger) |
| Funding & liquidity | 76 | 95 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 50th | 91st |
| Total assets | $370.6M | $395.3M |
| Deposits / shares | $337.1M | $336.5M |
| Capital ratio | 9.37% | 13.63% (stronger) |
| Problem loans | 0.00% (stronger) | 0.08% |
| Net charge-offs | -0.15% (stronger) | 0.04% |
| Return on assets | 1.07% | 1.11% (stronger) |
| Loans ÷ deposits | 68.0% | 53.1% (stronger) |
| Uninsured deposits | 29.5% | 19.5% (stronger) |
| Offices | 9 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southern Independent Bank has the higher TellerScore (87 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Premier Bank of the South leads on 2 and Southern Independent Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.