Side-by-side · Q2 2026 data
Southern Bank and Trust Company vs HomeTrust Bank
Metric by metric
| Measure | Southern Bank and Trust Company | HomeTrust Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 68 |
| Capital cushion | 46 | 79 (stronger) |
| Loan quality | 96 (stronger) | 53 |
| Earnings | 76 | 81 (stronger) |
| Funding & liquidity | 50 (stronger) | 45 |
| Problem-loan coverage | 98 (stronger) | 82 |
| Peer percentile | 58th | 49th |
| Total assets | $5.3B | $4.4B |
| Deposits / shares | $4.8B | $3.6B |
| Capital ratio | 9.63% | 12.91% (stronger) |
| Problem loans | 0.12% (stronger) | 1.40% |
| Net charge-offs | 0.00% (stronger) | 0.20% |
| Return on assets | 1.40% | 1.52% (stronger) |
| Loans ÷ deposits | 73.9% (stronger) | 102.5% |
| Uninsured deposits | 47.7% | 26.5% (stronger) |
| Offices | 56 | 33 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | 24.1% |
Southern Bank and Trust Company has the higher TellerScore (70 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Southern Bank and Trust Company leads on 4 and HomeTrust Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.