Side-by-side · Q2 2026 data
Sandhills State Bank vs Banner Capital Bank
Metric by metric
| Measure | Sandhills State Bank | Banner Capital Bank |
|---|---|---|
| TellerScore | 69 | 69 |
| Capital cushion | 34 | 60 (stronger) |
| Loan quality | 95 (stronger) | 56 |
| Earnings | 81 | 95 (stronger) |
| Funding & liquidity | 59 | 66 (stronger) |
| Problem-loan coverage | 98 (stronger) | 82 |
| Peer percentile | 40th | 40th |
| Total assets | $382.8M | $379.8M |
| Deposits / shares | $347.1M | $335.2M |
| Capital ratio | 8.42% | 10.96% (stronger) |
| Problem loans | 0.16% (stronger) | 1.31% |
| Net charge-offs | -0.02% (stronger) | 0.02% |
| Return on assets | 1.52% | 1.88% (stronger) |
| Loans ÷ deposits | 79.3% (stronger) | 91.6% |
| Uninsured deposits | 34.6% | 17.7% (stronger) |
| Offices | 10 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.7% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Sandhills State Bank leads on 3 and Banner Capital Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.