Side-by-side · Q2 2026 data
Southern Bank of Tennessee vs P.I.A.S. Credit Union
Metric by metric
| Measure | Southern Bank of Tennessee | P.I.A.S. Credit Union |
|---|---|---|
| TellerScore | 68 | 87 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 71 (stronger) | 35 |
| Funding & liquidity | 52 | 100 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 37th | 83rd |
| Total assets | $533.4M | $4.2M |
| Deposits / shares | $469.4M | $3.5M |
| Capital ratio | 9.01% | 17.42% (stronger) |
| Problem loans | 0.05% | 0.00% (stronger) |
| Net charge-offs | 0.28% | 0.00% (stronger) |
| Return on assets | 1.27% (stronger) | 0.37% |
| Loans ÷ deposits | 83.3% | 59.6% (stronger) |
| Uninsured deposits | 37.0% | 0.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.4% | — |
P.I.A.S. Credit Union has the higher TellerScore (87 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Southern Bank of Tennessee leads on 1 and P.I.A.S. Credit Union on 6. 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.