Side-by-side · Q2 2026 data
Southern Bancorp Bank vs Encore Bank
Metric by metric
| Measure | Southern Bancorp Bank | Encore Bank |
|---|---|---|
| TellerScore | 61 | 61 |
| Capital cushion | 69 (stronger) | 44 |
| Loan quality | 53 | 94 (stronger) |
| Earnings | 56 (stronger) | 35 |
| Funding & liquidity | 49 | 53 (stronger) |
| Problem-loan coverage | 84 | 97 (stronger) |
| Peer percentile | 24th | 24th |
| Total assets | $3.0B | $3.7B |
| Deposits / shares | $2.3B | $3.4B |
| Capital ratio | 11.85% (stronger) | 9.43% |
| Problem loans | 1.42% | 0.17% (stronger) |
| Net charge-offs | 0.12% (stronger) | 0.13% |
| Return on assets | 0.89% (stronger) | 0.37% |
| Loans ÷ deposits | 83.8% | 80.1% (stronger) |
| Uninsured deposits | 39.2% (stronger) | 39.8% |
| Offices | 47 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.4% | 19.6% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Southern Bancorp Bank leads on 4 and Encore Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.