Side-by-side · Q2 2026 data
Southern Hills Community Bank vs The Wilmington Savings Bank
Metric by metric
| Measure | Southern Hills Community Bank | The Wilmington Savings Bank |
|---|---|---|
| TellerScore | 71 | 72 (stronger) |
| Capital cushion | 88 | 96 (stronger) |
| Loan quality | 47 | 73 (stronger) |
| Earnings | 45 | 51 (stronger) |
| Funding & liquidity | 100 (stronger) | 39 |
| Problem-loan coverage | 86 | 92 (stronger) |
| Peer percentile | 47th | 50th |
| Total assets | $209.6M | $267.3M |
| Deposits / shares | $179.5M | $228.1M |
| Capital ratio | 13.77% | 14.61% (stronger) |
| Problem loans | 1.58% | 0.82% (stronger) |
| Net charge-offs | 0.14% | 0.00% (stronger) |
| Return on assets | 0.62% | 0.78% (stronger) |
| Loans ÷ deposits | 57.2% (stronger) | 90.9% |
| Uninsured deposits | 14.9% (stronger) | 42.5% |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.4% | — |
The Wilmington Savings Bank has the higher TellerScore (72 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Southern Hills Community Bank leads on 2 and The Wilmington Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.