Side-by-side · Q2 2026 data
Sandhills State Bank vs Equitable Bank
Metric by metric
| Measure | Sandhills State Bank | Equitable Bank |
|---|---|---|
| TellerScore | 69 | 72 (stronger) |
| Capital cushion | 34 | 54 (stronger) |
| Loan quality | 95 | 100 (stronger) |
| Earnings | 81 (stronger) | 64 |
| Funding & liquidity | 59 (stronger) | 58 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 40th | 50th |
| Total assets | $382.8M | $523.5M |
| Deposits / shares | $347.1M | $448.5M |
| Capital ratio | 8.42% | 10.45% (stronger) |
| Problem loans | 0.16% | 0.01% (stronger) |
| Net charge-offs | -0.02% (stronger) | -0.00% |
| Return on assets | 1.52% (stronger) | 1.10% |
| Loans ÷ deposits | 79.3% (stronger) | 99.9% |
| Uninsured deposits | 34.6% | 16.8% (stronger) |
| Offices | 10 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.1% |
Equitable Bank has the higher TellerScore (72 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Sandhills State Bank leads on 3 and Equitable Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.