Side-by-side · Q2 2026 data
The Citizens Bank vs The Southern Bank Company
Metric by metric
| Measure | The Citizens Bank | The Southern Bank Company |
|---|---|---|
| TellerScore | 67 | 76 (stronger) |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 38 (stronger) | 37 |
| Earnings | 64 | 73 (stronger) |
| Funding & liquidity | 93 (stronger) | 88 |
| Problem-loan coverage | 89 (stronger) | 87 |
| Peer percentile | 34th | 64th |
| Total assets | $129.2M | $133.1M |
| Deposits / shares | $116.2M | $104.8M |
| Capital ratio | 12.22% | 15.05% (stronger) |
| Problem loans | 1.87% (stronger) | 1.89% |
| Net charge-offs | 0.06% | -0.70% (stronger) |
| Return on assets | 1.09% | 1.32% (stronger) |
| Loans ÷ deposits | 32.1% (stronger) | 63.4% |
| Uninsured deposits | 21.4% (stronger) | 22.7% |
| Offices | 1 | 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), The Citizens 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.