Side-by-side · Q2 2026 data
Southern Bank of Tennessee vs TriStar Bank
Metric by metric
| Measure | Southern Bank of Tennessee | TriStar Bank |
|---|---|---|
| TellerScore | 68 (stronger) | 64 |
| Capital cushion | 40 | 48 (stronger) |
| Loan quality | 98 (stronger) | 80 |
| Earnings | 71 (stronger) | 53 |
| Funding & liquidity | 52 | 67 (stronger) |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 37th | 26th |
| Total assets | $533.4M | $562.7M |
| Deposits / shares | $469.4M | $466.3M |
| Capital ratio | 9.01% | 9.85% (stronger) |
| Problem loans | 0.05% (stronger) | 0.61% |
| Net charge-offs | 0.28% | 0.20% (stronger) |
| Return on assets | 1.27% (stronger) | 0.83% |
| Loans ÷ deposits | 83.3% | 79.7% (stronger) |
| Uninsured deposits | 37.0% | 27.6% (stronger) |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.4% | 7.0% |
Southern Bank of Tennessee has the higher TellerScore (68 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Southern Bank of Tennessee leads on 3 and TriStar Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.