Side-by-side · Q2 2026 data
South Central State Bank vs United Republic Bank
Metric by metric
| Measure | South Central State Bank | United Republic Bank |
|---|---|---|
| TellerScore | 96 (stronger) | 36 |
| Capital cushion | 100 (stronger) | 66 |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 100 (stronger) | 26 |
| Funding & liquidity | 71 (stronger) | 69 |
| Problem-loan coverage | 100 (stronger) | 3 |
| Peer percentile | 99th | 1st |
| Total assets | $192.1M | $185.8M |
| Deposits / shares | $153.6M | $147.4M |
| Capital ratio | 15.15% (stronger) | 11.57% |
| Problem loans | 0.00% (stronger) | 4.89% |
| Net charge-offs | 0.16% | -0.00% (stronger) |
| Return on assets | 2.40% (stronger) | 0.15% |
| Loans ÷ deposits | 84.8% (stronger) | 91.1% |
| Uninsured deposits | 18.9% | 8.1% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
South Central State Bank has the higher TellerScore (96 vs 36). On the 7 directional measures above (where higher or lower is clearly better), South Central State Bank leads on 5 and United Republic Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.