Side-by-side · Q2 2026 data
Southern Bank vs Bank of the Lowcountry
Metric by metric
| Measure | Southern Bank | Bank of the Lowcountry |
|---|---|---|
| TellerScore | 59 | 65 (stronger) |
| Capital cushion | 32 | 43 (stronger) |
| Loan quality | 91 | 95 (stronger) |
| Earnings | 24 | 50 (stronger) |
| Funding & liquidity | 84 (stronger) | 57 |
| Problem-loan coverage | 92 | 97 (stronger) |
| Peer percentile | 17th | 29th |
| Total assets | $407.9M | $430.2M |
| Deposits / shares | $358.4M | $365.0M |
| Capital ratio | 8.18% | 9.25% (stronger) |
| Problem loans | 0.28% | 0.15% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.00% |
| Return on assets | 0.10% | 0.75% (stronger) |
| Loans ÷ deposits | 73.2% (stronger) | 88.6% |
| Uninsured deposits | 17.8% (stronger) | 28.5% |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.0% | 6.6% |
Bank of the Lowcountry has the higher TellerScore (65 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Southern Bank leads on 3 and Bank of the Lowcountry on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.