Side-by-side · Q2 2026 data
Southern Bancorp Bank vs Guaranty Bank and Trust Company
Metric by metric
| Measure | Southern Bancorp Bank | Guaranty Bank and Trust Company |
|---|---|---|
| TellerScore | 61 (stronger) | 55 |
| Capital cushion | 69 (stronger) | 54 |
| Loan quality | 53 (stronger) | 33 |
| Earnings | 56 | 64 (stronger) |
| Funding & liquidity | 49 | 68 (stronger) |
| Problem-loan coverage | 84 (stronger) | 73 |
| Peer percentile | 24th | 13th |
| Total assets | $3.0B | $3.1B |
| Deposits / shares | $2.3B | $2.6B |
| Capital ratio | 11.85% (stronger) | 10.42% |
| Problem loans | 1.42% (stronger) | 2.01% |
| Net charge-offs | 0.12% | 0.11% (stronger) |
| Return on assets | 0.89% | 1.11% (stronger) |
| Loans ÷ deposits | 83.8% | 82.1% (stronger) |
| Uninsured deposits | 39.2% | 24.5% (stronger) |
| Offices | 47 | 38 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.4% | 18.4% |
Southern Bancorp Bank has the higher TellerScore (61 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Southern Bancorp Bank leads on 3 and Guaranty Bank and Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Greenville, MS
- Hernando, MS
- Indianola, MS