Side-by-side · Q2 2026 data
South Central Bank, Inc. vs Cumberland Security Bank, Inc.
Metric by metric
| Measure | South Central Bank, Inc. | Cumberland Security Bank, Inc. |
|---|---|---|
| TellerScore | 72 | 87 (stronger) |
| Capital cushion | 49 | 91 (stronger) |
| Loan quality | 90 | 95 (stronger) |
| Earnings | 76 | 100 (stronger) |
| Funding & liquidity | 65 (stronger) | 38 |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 66th | 91st |
| Total assets | $2.3B | $420.1M |
| Deposits / shares | $2.0B | $359.4M |
| Capital ratio | 9.88% | 14.14% (stronger) |
| Problem loans | 0.30% | 0.16% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.41% | 4.50% (stronger) |
| Loans ÷ deposits | 89.7% (stronger) | 93.7% |
| Uninsured deposits | 20.1% (stronger) | 40.5% |
| Offices | 26 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | — |
Cumberland Security Bank, Inc. has the higher TellerScore (87 vs 72). On the 7 directional measures above (where higher or lower is clearly better), South Central Bank, Inc. leads on 3 and Cumberland Security Bank, Inc. on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.