Side-by-side · Q2 2026 data
Southern Bancorp Bank vs Patterson Federal Credit Union
Credit union
Patterson Federal Credit Union
Arkadelphia, Arkansas · Under $100 million in assets
Metric by metric
| Measure | Southern Bancorp Bank | Patterson Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 96 (stronger) |
| Capital cushion | 69 | 100 (stronger) |
| Loan quality | 53 | 97 (stronger) |
| Earnings | 56 | 100 (stronger) |
| Funding & liquidity | 49 | 78 (stronger) |
| Problem-loan coverage | 84 | 99 (stronger) |
| Peer percentile | 24th | 97th |
| Total assets | $3.0B | $38.0M |
| Deposits / shares | $2.3B | $31.1M |
| Capital ratio | 11.85% | 17.54% (stronger) |
| Problem loans | 1.42% | 0.08% (stronger) |
| Net charge-offs | 0.12% | 0.09% (stronger) |
| Return on assets | 0.89% | 2.26% (stronger) |
| Loans ÷ deposits | 83.8% | 82.7% (stronger) |
| Uninsured deposits | 39.2% | 0.5% (stronger) |
| Offices | 47 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.4% | — |
Patterson Federal Credit Union has the higher TellerScore (96 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Southern Bancorp Bank leads on 0 and Patterson Federal Credit Union on 7. 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.