Side-by-side · Q2 2026 data
The Fidelity Bank vs Southern Bank and Trust Company
Metric by metric
| Measure | The Fidelity Bank | Southern Bank and Trust Company |
|---|---|---|
| TellerScore | 78 (stronger) | 70 |
| Capital cushion | 65 (stronger) | 46 |
| Loan quality | 86 | 96 (stronger) |
| Earnings | 89 (stronger) | 76 |
| Funding & liquidity | 65 (stronger) | 50 |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 86th | 58th |
| Total assets | $4.7B | $5.3B |
| Deposits / shares | $4.2B | $4.8B |
| Capital ratio | 11.47% (stronger) | 9.63% |
| Problem loans | 0.42% | 0.12% (stronger) |
| Net charge-offs | 0.06% | 0.00% (stronger) |
| Return on assets | 1.73% (stronger) | 1.40% |
| Loans ÷ deposits | 69.2% (stronger) | 73.9% |
| Uninsured deposits | 38.2% (stronger) | 47.7% |
| Offices | 57 | 56 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | 12.5% |
The Fidelity Bank has the higher TellerScore (78 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Fidelity Bank leads on 5 and Southern Bank and Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.