Side-by-side · Q2 2026 data
State Bank & Trust vs Southern Independent Bank
Metric by metric
| Measure | State Bank & Trust | Southern Independent Bank |
|---|---|---|
| TellerScore | 63 | 87 (stronger) |
| Capital cushion | 40 | 86 (stronger) |
| Loan quality | 83 | 97 (stronger) |
| Earnings | 56 | 64 (stronger) |
| Funding & liquidity | 66 | 95 (stronger) |
| Problem-loan coverage | 87 | 99 (stronger) |
| Peer percentile | 24th | 91st |
| Total assets | $413.0M | $395.3M |
| Deposits / shares | $362.6M | $336.5M |
| Capital ratio | 9.01% | 13.63% (stronger) |
| Problem loans | 0.51% | 0.08% (stronger) |
| Net charge-offs | 0.23% | 0.04% (stronger) |
| Return on assets | 0.89% | 1.11% (stronger) |
| Loans ÷ deposits | 76.1% | 53.1% (stronger) |
| Uninsured deposits | 31.7% | 19.5% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southern Independent Bank has the higher TellerScore (87 vs 63). On the 7 directional measures above (where higher or lower is clearly better), State Bank & Trust leads on 0 and Southern Independent Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.