Side-by-side · Q2 2026 data
Southern Bank and Trust Company vs New Republic Bank
Metric by metric
| Measure | Southern Bank and Trust Company | New Republic Bank |
|---|---|---|
| TellerScore | 70 | 92 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 96 (stronger) | 95 |
| Earnings | 76 | 95 (stronger) |
| Funding & liquidity | 50 | 59 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 58th | 97th |
| Total assets | $5.3B | $176.3M |
| Deposits / shares | $4.8B | $138.0M |
| Capital ratio | 9.63% | 15.81% (stronger) |
| Problem loans | 0.12% (stronger) | 0.15% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.40% | 1.88% (stronger) |
| Loans ÷ deposits | 73.9% (stronger) | 86.3% |
| Uninsured deposits | 47.7% | 28.3% (stronger) |
| Offices | 56 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | — |
New Republic Bank has the higher TellerScore (92 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Southern Bank and Trust Company leads on 2 and New Republic Bank on 5. 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.