Side-by-side · Q2 2026 data
Southern Bancorp Bank vs First State Bank
Metric by metric
| Measure | Southern Bancorp Bank | First State Bank |
|---|---|---|
| TellerScore | 61 | 77 (stronger) |
| Capital cushion | 69 (stronger) | 62 |
| Loan quality | 53 | 100 (stronger) |
| Earnings | 56 | 65 (stronger) |
| Funding & liquidity | 49 | 68 (stronger) |
| Problem-loan coverage | 84 | 100 (stronger) |
| Peer percentile | 24th | 68th |
| Total assets | $3.0B | $328.1M |
| Deposits / shares | $2.3B | $292.6M |
| Capital ratio | 11.85% (stronger) | 11.24% |
| Problem loans | 1.42% | 0.00% (stronger) |
| Net charge-offs | 0.12% | -0.00% (stronger) |
| Return on assets | 0.89% | 1.12% (stronger) |
| Loans ÷ deposits | 83.8% | 80.9% (stronger) |
| Uninsured deposits | 39.2% | 25.5% (stronger) |
| Offices | 47 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.4% | 1.5% |
First State Bank has the higher TellerScore (77 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Southern Bancorp Bank leads on 1 and First State Bank on 6. 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.
Where both have branches
- Gurdon, AR