Side-by-side · Q2 2026 data
Troy Bank & Trust Company vs SouthPoint Bank
Metric by metric
| Measure | Troy Bank & Trust Company | SouthPoint Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 21 |
| Capital cushion | 78 (stronger) | 19 |
| Loan quality | 55 (stronger) | 0 |
| Earnings | 75 (stronger) | 0 |
| Funding & liquidity | 41 | 77 (stronger) |
| Problem-loan coverage | 84 (stronger) | 35 |
| Peer percentile | 44th | 0th |
| Total assets | $1.6B | $1.4B |
| Deposits / shares | $1.4B | $1.2B |
| Capital ratio | 12.83% (stronger) | 6.86% |
| Problem loans | 1.35% (stronger) | 3.54% |
| Net charge-offs | 0.20% (stronger) | 4.19% |
| Return on assets | 1.37% (stronger) | -1.71% |
| Loans ÷ deposits | 74.6% (stronger) | 83.0% |
| Uninsured deposits | 55.1% | 13.3% (stronger) |
| Offices | 14 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Troy Bank & Trust Company has the higher TellerScore (67 vs 21). On the 7 directional measures above (where higher or lower is clearly better), Troy Bank & Trust Company leads on 6 and SouthPoint Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.