Side-by-side · Q2 2026 data
The Cincinnatus Savings & Loan Co. vs Southern Hills Community Bank
Metric by metric
| Measure | The Cincinnatus Savings & Loan Co. | Southern Hills Community Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 88 |
| Loan quality | 91 (stronger) | 47 |
| Earnings | 57 (stronger) | 45 |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 86 |
| Peer percentile | 86th | 47th |
| Total assets | $193.1M | $209.6M |
| Deposits / shares | $163.0M | $179.5M |
| Capital ratio | 15.26% (stronger) | 13.77% |
| Problem loans | 0.26% (stronger) | 1.58% |
| Net charge-offs | -0.11% (stronger) | 0.14% |
| Return on assets | 0.93% (stronger) | 0.62% |
| Loans ÷ deposits | 77.9% | 57.2% (stronger) |
| Uninsured deposits | 29.1% | 14.9% (stronger) |
| Offices | 3 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.4% |
The Cincinnatus Savings & Loan Co. has the higher TellerScore (84 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The Cincinnatus Savings & Loan Co. leads on 5 and Southern Hills Community Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.