Side-by-side · Q2 2026 data
The Peoples Bank vs Southern First Bank
Metric by metric
| Measure | The Peoples Bank | Southern First Bank |
|---|---|---|
| TellerScore | 89 (stronger) | 59 |
| Capital cushion | 79 (stronger) | 39 |
| Loan quality | 100 (stronger) | 91 |
| Earnings | 86 (stronger) | 58 |
| Funding & liquidity | 86 (stronger) | 26 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 94th | 19th |
| Total assets | $446.7M | $4.7B |
| Deposits / shares | $393.5M | $4.0B |
| Capital ratio | 12.92% (stronger) | 8.89% |
| Problem loans | 0.00% (stronger) | 0.28% |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 1.65% (stronger) | 0.96% |
| Loans ÷ deposits | 69.7% (stronger) | 99.8% |
| Uninsured deposits | 19.5% (stronger) | 45.9% |
| Offices | 8 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.9% | 12.6% |
The Peoples Bank has the higher TellerScore (89 vs 59). On the 7 directional measures above (where higher or lower is clearly better), The Peoples Bank leads on 7 and Southern First Bank on 0. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.