Side-by-side · Q2 2026 data
Southern Bancorp Bank vs First Community Bank
Metric by metric
| Measure | Southern Bancorp Bank | First Community Bank |
|---|---|---|
| TellerScore | 61 | 62 (stronger) |
| Capital cushion | 69 (stronger) | 40 |
| Loan quality | 53 | 90 (stronger) |
| Earnings | 56 | 73 (stronger) |
| Funding & liquidity | 49 (stronger) | 42 |
| Problem-loan coverage | 84 (stronger) | 69 |
| Peer percentile | 24th | 27th |
| Total assets | $3.0B | $3.6B |
| Deposits / shares | $2.3B | $2.9B |
| Capital ratio | 11.85% (stronger) | 9.04% |
| Problem loans | 1.42% | 0.31% (stronger) |
| Net charge-offs | 0.12% (stronger) | 0.14% |
| Return on assets | 0.89% | 1.32% (stronger) |
| Loans ÷ deposits | 83.8% (stronger) | 101.8% |
| Uninsured deposits | 39.2% | 29.5% (stronger) |
| Offices | 47 | 34 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.4% | 6.5% |
First Community Bank has the higher TellerScore (62 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Southern Bancorp Bank leads on 3 and First Community Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.