Side-by-side · Q2 2026 data
Southern Bancorp Bank vs First Financial Bank
Metric by metric
| Measure | Southern Bancorp Bank | First Financial Bank |
|---|---|---|
| TellerScore | 61 (stronger) | 50 |
| Capital cushion | 69 (stronger) | 62 |
| Loan quality | 53 (stronger) | 0 |
| Earnings | 56 | 100 (stronger) |
| Funding & liquidity | 49 (stronger) | 44 |
| Problem-loan coverage | 84 (stronger) | 47 |
| Peer percentile | 24th | 7th |
| Total assets | $3.0B | $2.0B |
| Deposits / shares | $2.3B | $1.7B |
| Capital ratio | 11.85% (stronger) | 11.15% |
| Problem loans | 1.42% (stronger) | 3.64% |
| Net charge-offs | 0.12% (stronger) | 0.21% |
| Return on assets | 0.89% | 2.18% (stronger) |
| Loans ÷ deposits | 83.8% (stronger) | 102.1% |
| Uninsured deposits | 39.2% | 28.2% (stronger) |
| Offices | 47 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.4% | 7.5% |
Southern Bancorp Bank has the higher TellerScore (61 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Southern Bancorp Bank leads on 5 and First Financial Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.