Side-by-side · Q2 2026 data
Southern Bank vs Oakstar Bank
Metric by metric
| Measure | Southern Bank | Oakstar Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 69 |
| Capital cushion | 54 (stronger) | 48 |
| Loan quality | 79 | 84 (stronger) |
| Earnings | 81 (stronger) | 79 |
| Funding & liquidity | 58 (stronger) | 56 |
| Problem-loan coverage | 89 | 92 (stronger) |
| Peer percentile | 58th | 53rd |
| Total assets | $5.2B | $3.3B |
| Deposits / shares | $4.4B | $2.8B |
| Capital ratio | 10.45% (stronger) | 9.79% |
| Problem loans | 0.63% | 0.48% (stronger) |
| Net charge-offs | 0.22% | 0.08% (stronger) |
| Return on assets | 1.53% (stronger) | 1.48% |
| Loans ÷ deposits | 98.1% (stronger) | 100.5% |
| Uninsured deposits | 18.9% | 18.5% (stronger) |
| Offices | 64 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | 4.7% |
Southern Bank has the higher TellerScore (70 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Southern Bank leads on 4 and Oakstar Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.