Side-by-side · Q2 2026 data
Sicily Island State Bank vs Southern Heritage Bank
Metric by metric
| Measure | Sicily Island State Bank | Southern Heritage Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 73 |
| Capital cushion | 82 (stronger) | 55 |
| Loan quality | 96 (stronger) | 76 |
| Earnings | 92 (stronger) | 88 |
| Funding & liquidity | 61 | 75 (stronger) |
| Problem-loan coverage | 98 (stronger) | 85 |
| Peer percentile | 81st | 53rd |
| Total assets | $92.4M | $397.9M |
| Deposits / shares | $72.9M | $355.1M |
| Capital ratio | 13.19% (stronger) | 10.54% |
| Problem loans | 0.13% (stronger) | 0.72% |
| Net charge-offs | -0.05% (stronger) | 0.29% |
| Return on assets | 1.79% (stronger) | 1.70% |
| Loans ÷ deposits | 99.6% | 80.6% (stronger) |
| Uninsured deposits | 7.0% (stronger) | 18.9% |
| Offices | 2 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.8% |
Sicily Island State Bank has the higher TellerScore (86 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Sicily Island State Bank leads on 6 and Southern Heritage Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.