Side-by-side · Q2 2026 data
Southern Heritage Bank vs Delta Bank
Metric by metric
| Measure | Southern Heritage Bank | Delta Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 67 |
| Capital cushion | 55 (stronger) | 50 |
| Loan quality | 76 (stronger) | 65 |
| Earnings | 88 | 97 (stronger) |
| Funding & liquidity | 75 (stronger) | 54 |
| Problem-loan coverage | 85 (stronger) | 83 |
| Peer percentile | 53rd | 34th |
| Total assets | $397.9M | $632.0M |
| Deposits / shares | $355.1M | $558.5M |
| Capital ratio | 10.54% (stronger) | 10.04% |
| Problem loans | 0.72% (stronger) | 1.04% |
| Net charge-offs | 0.29% | 0.02% (stronger) |
| Return on assets | 1.70% | 1.93% (stronger) |
| Loans ÷ deposits | 80.6% (stronger) | 84.3% |
| Uninsured deposits | 18.9% (stronger) | 34.5% |
| Offices | 10 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | — |
Southern Heritage Bank has the higher TellerScore (73 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Southern Heritage Bank leads on 5 and Delta Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.