Side-by-side · Q2 2026 data
Southern Bank and Trust Company vs KS Bank, Inc.
Metric by metric
| Measure | Southern Bank and Trust Company | KS Bank, Inc. |
|---|---|---|
| TellerScore | 70 (stronger) | 69 |
| Capital cushion | 46 (stronger) | 40 |
| Loan quality | 96 | 96 |
| Earnings | 76 (stronger) | 73 |
| Funding & liquidity | 50 | 56 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 58th | 40th |
| Total assets | $5.3B | $874.5M |
| Deposits / shares | $4.8B | $785.2M |
| Capital ratio | 9.63% (stronger) | 9.01% |
| Problem loans | 0.12% | 0.12% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 1.40% (stronger) | 1.33% |
| Loans ÷ deposits | 73.9% (stronger) | 91.0% |
| Uninsured deposits | 47.7% | 27.3% (stronger) |
| Offices | 56 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | 5.3% |
Southern Bank and Trust Company has the higher TellerScore (70 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Southern Bank and Trust Company leads on 5 and KS Bank, Inc. on 2. 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.
Where both have branches
- Goldsboro, NC
- Wilson, NC
- Kenly, NC