Side-by-side · Q2 2026 data
Southern Bancorp Bank vs Timberline Federal Credit Union
Credit union
Timberline Federal Credit Union
Crossett, Arkansas · Under $100 million in assets
Metric by metric
| Measure | Southern Bancorp Bank | Timberline Federal Credit Union |
|---|---|---|
| TellerScore | 61 (stronger) | 59 |
| Capital cushion | 69 | 100 (stronger) |
| Loan quality | 53 (stronger) | 26 |
| Earnings | 56 (stronger) | 0 |
| Funding & liquidity | 49 | 92 (stronger) |
| Problem-loan coverage | 84 | 86 (stronger) |
| Peer percentile | 24th | 20th |
| Total assets | $3.0B | $80.4M |
| Deposits / shares | $2.3B | $67.3M |
| Capital ratio | 11.85% | 19.61% (stronger) |
| Problem loans | 1.42% (stronger) | 2.22% |
| Net charge-offs | 0.12% (stronger) | 0.76% |
| Return on assets | 0.89% (stronger) | -0.61% |
| Loans ÷ deposits | 83.8% | 68.1% (stronger) |
| Uninsured deposits | 39.2% | 4.0% (stronger) |
| Offices | 47 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.4% | — |
Southern Bancorp Bank has the higher TellerScore (61 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Southern Bancorp Bank leads on 4 and Timberline Federal Credit Union on 3. 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.