Side-by-side · Q2 2026 data
United Southern Bank vs Sanibel Captiva Community Bank
Metric by metric
| Measure | United Southern Bank | Sanibel Captiva Community Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 68 |
| Capital cushion | 58 (stronger) | 49 |
| Loan quality | 85 (stronger) | 78 |
| Earnings | 69 | 95 (stronger) |
| Funding & liquidity | 94 (stronger) | 45 |
| Problem-loan coverage | 94 (stronger) | 83 |
| Peer percentile | 64th | 37th |
| Total assets | $843.0M | $976.2M |
| Deposits / shares | $769.1M | $805.9M |
| Capital ratio | 10.77% (stronger) | 9.92% |
| Problem loans | 0.44% (stronger) | 0.67% |
| Net charge-offs | 0.02% (stronger) | 0.17% |
| Return on assets | 1.23% | 1.88% (stronger) |
| Loans ÷ deposits | 59.9% (stronger) | 102.6% |
| Uninsured deposits | 20.3% (stronger) | 26.1% |
| Offices | 12 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.3% |
United Southern Bank has the higher TellerScore (76 vs 68). On the 7 directional measures above (where higher or lower is clearly better), United Southern Bank leads on 6 and Sanibel Captiva Community Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.