Side-by-side · Q2 2026 data
Southern Bank vs CBL State Savings Bank
Metric by metric
| Measure | Southern Bank | CBL State Savings Bank |
|---|---|---|
| TellerScore | 59 | 80 (stronger) |
| Capital cushion | 32 | 100 (stronger) |
| Loan quality | 91 | 100 (stronger) |
| Earnings | 24 | 24 |
| Funding & liquidity | 84 (stronger) | 67 |
| Problem-loan coverage | 92 | 100 (stronger) |
| Peer percentile | 17th | 77th |
| Total assets | $407.9M | $191.3M |
| Deposits / shares | $358.4M | $125.9M |
| Capital ratio | 8.18% | 15.93% (stronger) |
| Problem loans | 0.28% | 0.01% (stronger) |
| Net charge-offs | -0.03% | -0.05% (stronger) |
| Return on assets | 0.10% (stronger) | 0.10% |
| Loans ÷ deposits | 73.2% (stronger) | 92.6% |
| Uninsured deposits | 17.8% | 15.5% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.0% | — |
CBL State Savings Bank has the higher TellerScore (80 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Southern Bank leads on 2 and CBL State Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.