Side-by-side · Q2 2026 data
Southern Bank and Trust Company vs First Carolina People'S Credit Union
Credit union
First Carolina People'S Credit Union
Goldsboro, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Southern Bank and Trust Company | First Carolina People'S Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 21 |
| Capital cushion | 46 (stronger) | 36 |
| Loan quality | 96 (stronger) | 0 |
| Earnings | 76 (stronger) | 0 |
| Funding & liquidity | 50 | 67 (stronger) |
| Problem-loan coverage | 98 (stronger) | 0 |
| Peer percentile | 58th | 0th |
| Total assets | $5.3B | $33.3M |
| Deposits / shares | $4.8B | $30.3M |
| Capital ratio | 9.63% (stronger) | 8.61% |
| Problem loans | 0.12% (stronger) | 5.79% |
| Net charge-offs | 0.00% (stronger) | 1.16% |
| Return on assets | 1.40% (stronger) | -1.29% |
| Loans ÷ deposits | 73.9% (stronger) | 93.2% |
| Uninsured deposits | 47.7% | 2.1% (stronger) |
| Offices | 56 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | — |
Southern Bank and Trust Company has the higher TellerScore (70 vs 21). On the 7 directional measures above (where higher or lower is clearly better), Southern Bank and Trust Company leads on 6 and First Carolina People'S Credit Union on 1. 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.