Side-by-side · Q2 2026 data
The Commercial Bank vs Southern Bank
Metric by metric
| Measure | The Commercial Bank | Southern Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 59 |
| Capital cushion | 76 (stronger) | 32 |
| Loan quality | 75 | 91 (stronger) |
| Earnings | 51 (stronger) | 24 |
| Funding & liquidity | 97 (stronger) | 84 |
| Problem-loan coverage | 94 (stronger) | 92 |
| Peer percentile | 64th | 17th |
| Total assets | $284.2M | $407.9M |
| Deposits / shares | $251.4M | $358.4M |
| Capital ratio | 12.65% (stronger) | 8.18% |
| Problem loans | 0.75% | 0.28% (stronger) |
| Net charge-offs | -0.00% | -0.03% (stronger) |
| Return on assets | 0.77% (stronger) | 0.10% |
| Loans ÷ deposits | 40.3% (stronger) | 73.2% |
| Uninsured deposits | 17.8% (stronger) | 17.8% |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 25.0% |
The Commercial Bank has the higher TellerScore (76 vs 59). On the 7 directional measures above (where higher or lower is clearly better), The Commercial Bank leads on 5 and Southern Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.