Side-by-side · Q2 2026 data
Security Bank and Trust Company vs Independent Bank
Metric by metric
| Measure | Security Bank and Trust Company | Independent Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 67 |
| Capital cushion | 59 (stronger) | 56 |
| Loan quality | 99 (stronger) | 72 |
| Earnings | 85 (stronger) | 70 |
| Funding & liquidity | 62 | 67 (stronger) |
| Problem-loan coverage | 100 (stronger) | 86 |
| Peer percentile | 88th | 44th |
| Total assets | $1.7B | $1.9B |
| Deposits / shares | $1.4B | $1.6B |
| Capital ratio | 10.92% (stronger) | 10.60% |
| Problem loans | 0.02% (stronger) | 0.85% |
| Net charge-offs | 0.01% (stronger) | 0.36% |
| Return on assets | 1.61% (stronger) | 1.26% |
| Loans ÷ deposits | 83.8% | 81.4% (stronger) |
| Uninsured deposits | 27.5% | 25.4% (stronger) |
| Offices | 11 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | — |
Security Bank and Trust Company has the higher TellerScore (79 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Security Bank and Trust Company leads on 5 and Independent Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.