Side-by-side · Q2 2026 data
Southern Bancorp Bank vs The Farmers & Merchants Bank
Metric by metric
| Measure | Southern Bancorp Bank | The Farmers & Merchants Bank |
|---|---|---|
| TellerScore | 61 | 67 (stronger) |
| Capital cushion | 69 (stronger) | 48 |
| Loan quality | 53 | 87 (stronger) |
| Earnings | 56 | 63 (stronger) |
| Funding & liquidity | 49 | 61 (stronger) |
| Problem-loan coverage | 84 | 95 (stronger) |
| Peer percentile | 24th | 44th |
| Total assets | $3.0B | $2.0B |
| Deposits / shares | $2.3B | $1.7B |
| Capital ratio | 11.85% (stronger) | 9.79% |
| Problem loans | 1.42% | 0.39% (stronger) |
| Net charge-offs | 0.12% | 0.01% (stronger) |
| Return on assets | 0.89% | 1.07% (stronger) |
| Loans ÷ deposits | 83.8% | 82.2% (stronger) |
| Uninsured deposits | 39.2% | 30.6% (stronger) |
| Offices | 47 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.4% | 14.9% |
The Farmers & Merchants Bank has the higher TellerScore (67 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Southern Bancorp Bank leads on 1 and The Farmers & Merchants Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Jonesboro, AR
- Stuttgart, AR