Side-by-side · Q2 2026 data
Southern Bancorp Bank vs First National Bank
Metric by metric
| Measure | Southern Bancorp Bank | First National Bank |
|---|---|---|
| TellerScore | 61 | 71 (stronger) |
| Capital cushion | 69 (stronger) | 61 |
| Loan quality | 53 | 94 (stronger) |
| Earnings | 56 | 68 (stronger) |
| Funding & liquidity | 49 (stronger) | 37 |
| Problem-loan coverage | 84 | 98 (stronger) |
| Peer percentile | 24th | 63rd |
| Total assets | $3.0B | $2.6B |
| Deposits / shares | $2.3B | $2.1B |
| Capital ratio | 11.85% (stronger) | 11.12% |
| Problem loans | 1.42% | 0.19% (stronger) |
| Net charge-offs | 0.12% | -0.01% (stronger) |
| Return on assets | 0.89% | 1.20% (stronger) |
| Loans ÷ deposits | 83.8% (stronger) | 97.8% |
| Uninsured deposits | 39.2% | 37.9% (stronger) |
| Offices | 47 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.4% | 3.9% |
First National Bank has the higher TellerScore (71 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Southern Bancorp Bank leads on 2 and First National Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.