Side-by-side · Q2 2026 data
Southern Bancorp Bank vs The First National Bank of Fort Smith
Metric by metric
| Measure | Southern Bancorp Bank | The First National Bank of Fort Smith |
|---|---|---|
| TellerScore | 61 | 78 (stronger) |
| Capital cushion | 69 (stronger) | 61 |
| Loan quality | 53 | 85 (stronger) |
| Earnings | 56 | 100 (stronger) |
| Funding & liquidity | 49 | 60 (stronger) |
| Problem-loan coverage | 84 | 95 (stronger) |
| Peer percentile | 24th | 86th |
| Total assets | $3.0B | $2.3B |
| Deposits / shares | $2.3B | $2.0B |
| Capital ratio | 11.85% (stronger) | 11.08% |
| Problem loans | 1.42% | 0.44% (stronger) |
| Net charge-offs | 0.12% | 0.03% (stronger) |
| Return on assets | 0.89% | 2.04% (stronger) |
| Loans ÷ deposits | 83.8% | 77.4% (stronger) |
| Uninsured deposits | 39.2% | 35.6% (stronger) |
| Offices | 47 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.4% | 7.2% |
The First National Bank of Fort Smith has the higher TellerScore (78 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Southern Bancorp Bank leads on 1 and The First National Bank of Fort Smith on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.