Side-by-side · Q2 2026 data
Southern Heritage Bank vs Bank of St. Francisville
Metric by metric
| Measure | Southern Heritage Bank | Bank of St. Francisville |
|---|---|---|
| TellerScore | 73 (stronger) | 66 |
| Capital cushion | 55 (stronger) | 49 |
| Loan quality | 76 (stronger) | 73 |
| Earnings | 88 (stronger) | 80 |
| Funding & liquidity | 75 (stronger) | 53 |
| Problem-loan coverage | 85 | 88 (stronger) |
| Peer percentile | 53rd | 31st |
| Total assets | $397.9M | $398.7M |
| Deposits / shares | $355.1M | $346.0M |
| Capital ratio | 10.54% (stronger) | 9.87% |
| Problem loans | 0.72% (stronger) | 0.81% |
| Net charge-offs | 0.29% | -0.03% (stronger) |
| Return on assets | 1.70% (stronger) | 1.50% |
| Loans ÷ deposits | 80.6% (stronger) | 86.4% |
| Uninsured deposits | 18.9% (stronger) | 33.9% |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | 7.5% |
Southern Heritage Bank has the higher TellerScore (73 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Southern Heritage Bank leads on 6 and Bank of St. Francisville on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.