Side-by-side · Q2 2026 data
Sweet Water State Bank vs The Southern Bank Company
Metric by metric
| Measure | Sweet Water State Bank | The Southern Bank Company |
|---|---|---|
| TellerScore | 67 | 76 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 57 (stronger) | 37 |
| Earnings | 84 (stronger) | 73 |
| Funding & liquidity | 92 (stronger) | 88 |
| Problem-loan coverage | 84 | 87 (stronger) |
| Peer percentile | 34th | 64th |
| Total assets | $150.0M | $133.1M |
| Deposits / shares | $134.8M | $104.8M |
| Capital ratio | 9.74% | 15.05% (stronger) |
| Problem loans | 1.30% (stronger) | 1.89% |
| Net charge-offs | 0.44% | -0.70% (stronger) |
| Return on assets | 1.59% (stronger) | 1.32% |
| Loans ÷ deposits | 56.9% (stronger) | 63.4% |
| Uninsured deposits | 22.9% | 22.7% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Southern Bank Company has the higher TellerScore (76 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Sweet Water State Bank leads on 3 and The Southern Bank Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.