Side-by-side · Q2 2026 data
Southern Bank and Trust Company vs North State Bank
Metric by metric
| Measure | Southern Bank and Trust Company | North State Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 61 |
| Capital cushion | 46 (stronger) | 35 |
| Loan quality | 96 (stronger) | 94 |
| Earnings | 76 (stronger) | 52 |
| Funding & liquidity | 50 (stronger) | 49 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 58th | 24th |
| Total assets | $5.3B | $1.5B |
| Deposits / shares | $4.8B | $1.2B |
| Capital ratio | 9.63% (stronger) | 8.50% |
| Problem loans | 0.12% (stronger) | 0.17% |
| Net charge-offs | 0.00% | -0.03% (stronger) |
| Return on assets | 1.40% (stronger) | 0.79% |
| Loans ÷ deposits | 73.9% (stronger) | 94.2% |
| Uninsured deposits | 47.7% | 30.9% (stronger) |
| Offices | 56 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | 2.5% |
Southern Bank and Trust Company has the higher TellerScore (70 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Southern Bank and Trust Company leads on 5 and North State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.