Side-by-side · Q2 2026 data
SouthPoint Bank vs Oakworth Capital Bank
Metric by metric
| Measure | SouthPoint Bank | Oakworth Capital Bank |
|---|---|---|
| TellerScore | 21 | 58 (stronger) |
| Capital cushion | 19 | 46 (stronger) |
| Loan quality | 0 | 77 (stronger) |
| Earnings | 0 | 67 (stronger) |
| Funding & liquidity | 77 (stronger) | 17 |
| Problem-loan coverage | 35 | 87 (stronger) |
| Peer percentile | 0th | 17th |
| Total assets | $1.4B | $2.1B |
| Deposits / shares | $1.2B | $1.8B |
| Capital ratio | 6.86% | 9.60% (stronger) |
| Problem loans | 3.54% | 0.68% (stronger) |
| Net charge-offs | 4.19% | 0.22% (stronger) |
| Return on assets | -1.71% | 1.17% (stronger) |
| Loans ÷ deposits | 83.0% (stronger) | 96.5% |
| Uninsured deposits | 13.3% (stronger) | 56.8% |
| Offices | 11 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Oakworth Capital Bank has the higher TellerScore (58 vs 21). On the 7 directional measures above (where higher or lower is clearly better), SouthPoint Bank leads on 2 and Oakworth Capital Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.