Side-by-side · Q2 2026 data
Southern Bank vs Community First Banking Company
Metric by metric
| Measure | Southern Bank | Community First Banking Company |
|---|---|---|
| TellerScore | 70 | 75 (stronger) |
| Capital cushion | 54 (stronger) | 53 |
| Loan quality | 79 | 100 (stronger) |
| Earnings | 81 (stronger) | 78 |
| Funding & liquidity | 58 | 63 (stronger) |
| Problem-loan coverage | 89 | 89 |
| Peer percentile | 58th | 61st |
| Total assets | $5.2B | $307.3M |
| Deposits / shares | $4.4B | $262.2M |
| Capital ratio | 10.45% (stronger) | 10.31% |
| Problem loans | 0.63% | 0.00% (stronger) |
| Net charge-offs | 0.22% | 0.11% (stronger) |
| Return on assets | 1.53% (stronger) | 1.44% |
| Loans ÷ deposits | 98.1% | 89.5% (stronger) |
| Uninsured deposits | 18.9% (stronger) | 21.6% |
| Offices | 64 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | — |
Community First Banking Company has the higher TellerScore (75 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Southern Bank leads on 3 and Community First Banking Company on 4. 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
- West Plains, MO
- Thayer, MO