Side-by-side · Q2 2026 data
Southern Bank vs Horizon Credit Union
Metric by metric
| Measure | Southern Bank | Horizon Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 68 |
| Capital cushion | 54 | 68 (stronger) |
| Loan quality | 79 (stronger) | 72 |
| Earnings | 81 (stronger) | 34 |
| Funding & liquidity | 58 | 89 (stronger) |
| Problem-loan coverage | 89 | 91 (stronger) |
| Peer percentile | 58th | 36th |
| Total assets | $5.2B | $58.8M |
| Deposits / shares | $4.4B | $51.3M |
| Capital ratio | 10.45% | 11.83% (stronger) |
| Problem loans | 0.63% (stronger) | 0.84% |
| Net charge-offs | 0.22% (stronger) | 0.40% |
| Return on assets | 1.53% (stronger) | 0.34% |
| Loans ÷ deposits | 98.1% | 70.8% (stronger) |
| Uninsured deposits | 18.9% | 5.4% (stronger) |
| Offices | 64 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | — |
Southern Bank has the higher TellerScore (70 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Southern Bank leads on 4 and Horizon Credit Union on 3. 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
- Macon, MO