Side-by-side · Q2 2026 data
Southern First Bank vs South Atlantic Bank
Metric by metric
| Measure | Southern First Bank | South Atlantic Bank |
|---|---|---|
| TellerScore | 59 | 70 (stronger) |
| Capital cushion | 39 | 44 (stronger) |
| Loan quality | 91 | 100 (stronger) |
| Earnings | 58 | 63 (stronger) |
| Funding & liquidity | 26 | 58 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 19th | 58th |
| Total assets | $4.7B | $2.0B |
| Deposits / shares | $4.0B | $1.7B |
| Capital ratio | 8.89% | 9.42% (stronger) |
| Problem loans | 0.28% | 0.01% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 0.96% | 1.07% (stronger) |
| Loans ÷ deposits | 99.8% | 91.1% (stronger) |
| Uninsured deposits | 45.9% | 25.5% (stronger) |
| Offices | 12 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.6% | 4.9% |
South Atlantic Bank has the higher TellerScore (70 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Southern First Bank leads on 0 and South Atlantic Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.