Side-by-side · Q2 2026 data
Southern Bank and Trust Company vs First Carolina Bank
Metric by metric
| Measure | Southern Bank and Trust Company | First Carolina Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 66 |
| Capital cushion | 46 | 64 (stronger) |
| Loan quality | 96 (stronger) | 73 |
| Earnings | 76 (stronger) | 51 |
| Funding & liquidity | 50 | 62 (stronger) |
| Problem-loan coverage | 98 (stronger) | 91 |
| Peer percentile | 58th | 40th |
| Total assets | $5.3B | $3.4B |
| Deposits / shares | $4.8B | $2.9B |
| Capital ratio | 9.63% | 11.36% (stronger) |
| Problem loans | 0.12% (stronger) | 0.81% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.40% (stronger) | 0.78% |
| Loans ÷ deposits | 73.9% (stronger) | 94.8% |
| Uninsured deposits | 47.7% | 17.7% (stronger) |
| Offices | 56 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | 5.6% |
Southern Bank and Trust Company has the higher TellerScore (70 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Southern Bank and Trust Company leads on 4 and First Carolina Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.