Side-by-side · Q2 2026 data
The Monticello Banking Company vs South Central Bank, Inc.
Metric by metric
| Measure | The Monticello Banking Company | South Central Bank, Inc. |
|---|---|---|
| TellerScore | 71 | 72 (stronger) |
| Capital cushion | 52 (stronger) | 49 |
| Loan quality | 96 (stronger) | 90 |
| Earnings | 59 | 76 (stronger) |
| Funding & liquidity | 62 | 65 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 63rd | 66th |
| Total assets | $1.1B | $2.3B |
| Deposits / shares | $924.3M | $2.0B |
| Capital ratio | 10.17% (stronger) | 9.88% |
| Problem loans | 0.11% (stronger) | 0.30% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 0.97% | 1.41% (stronger) |
| Loans ÷ deposits | 82.8% (stronger) | 89.7% |
| Uninsured deposits | 28.7% | 20.1% (stronger) |
| Offices | 21 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | 7.5% |
South Central Bank, Inc. has the higher TellerScore (72 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The Monticello Banking Company leads on 3 and South Central Bank, Inc. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.