Side-by-side · Q2 2026 data
Southern Heritage Bank vs United Mississippi Bank
Metric by metric
| Measure | Southern Heritage Bank | United Mississippi Bank |
|---|---|---|
| TellerScore | 73 | 75 (stronger) |
| Capital cushion | 55 | 60 (stronger) |
| Loan quality | 76 | 94 (stronger) |
| Earnings | 88 (stronger) | 66 |
| Funding & liquidity | 75 (stronger) | 71 |
| Problem-loan coverage | 85 | 98 (stronger) |
| Peer percentile | 53rd | 61st |
| Total assets | $397.9M | $560.7M |
| Deposits / shares | $355.1M | $478.9M |
| Capital ratio | 10.54% | 11.04% (stronger) |
| Problem loans | 0.72% | 0.19% (stronger) |
| Net charge-offs | 0.29% | 0.05% (stronger) |
| Return on assets | 1.70% (stronger) | 1.15% |
| Loans ÷ deposits | 80.6% (stronger) | 85.7% |
| Uninsured deposits | 18.9% | 18.6% (stronger) |
| Offices | 10 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | — |
United Mississippi Bank has the higher TellerScore (75 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Southern Heritage Bank leads on 2 and United Mississippi Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.