Side-by-side · Q2 2026 data
South Coast Bank & Trust vs Ameris Bank
Metric by metric
| Measure | South Coast Bank & Trust | Ameris Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 67 |
| Capital cushion | 49 | 64 (stronger) |
| Loan quality | 84 (stronger) | 81 |
| Earnings | 80 (stronger) | 69 |
| Funding & liquidity | 74 (stronger) | 28 |
| Problem-loan coverage | 93 | 94 (stronger) |
| Peer percentile | 50th | 63rd |
| Total assets | $269.8M | $28.4B |
| Deposits / shares | $239.4M | $22.7B |
| Capital ratio | 9.90% | 11.41% (stronger) |
| Problem loans | 0.49% (stronger) | 0.57% |
| Net charge-offs | 0.08% (stronger) | 0.20% |
| Return on assets | 1.51% (stronger) | 1.23% |
| Loans ÷ deposits | 79.4% (stronger) | 98.3% |
| Uninsured deposits | 21.4% (stronger) | 45.6% |
| Offices | 2 | 164 |
| CFPB complaints (3 yrs) | — | 271 |
| Complaints per $1B deposits | — | 11.9 |
| Mortgage denial rate (HMDA) | 10.9% | 10.5% |
South Coast Bank & Trust has the higher TellerScore (72 vs 67). On the 7 directional measures above (where higher or lower is clearly better), South Coast Bank & Trust leads on 6 and Ameris Bank on 1. 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.