Side-by-side · Q2 2026 data
Wayne County Bank vs Southern Bank of Tennessee
Metric by metric
| Measure | Wayne County Bank | Southern Bank of Tennessee |
|---|---|---|
| TellerScore | 84 (stronger) | 68 |
| Capital cushion | 86 (stronger) | 40 |
| Loan quality | 76 | 98 (stronger) |
| Earnings | 93 (stronger) | 71 |
| Funding & liquidity | 73 (stronger) | 52 |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 86th | 37th |
| Total assets | $595.1M | $533.4M |
| Deposits / shares | $507.1M | $469.4M |
| Capital ratio | 13.58% (stronger) | 9.01% |
| Problem loans | 0.72% | 0.05% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.28% |
| Return on assets | 1.82% (stronger) | 1.27% |
| Loans ÷ deposits | 82.2% (stronger) | 83.3% |
| Uninsured deposits | 19.7% (stronger) | 37.0% |
| Offices | 8 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.4% |
Wayne County Bank has the higher TellerScore (84 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Wayne County Bank leads on 6 and Southern Bank of Tennessee on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.