Side-by-side · Q2 2026 data
Winnsboro State Bank & Trust Company vs Southern Heritage Bank
Metric by metric
| Measure | Winnsboro State Bank & Trust Company | Southern Heritage Bank |
|---|---|---|
| TellerScore | 68 | 73 (stronger) |
| Capital cushion | 59 (stronger) | 55 |
| Loan quality | 69 | 76 (stronger) |
| Earnings | 79 | 88 (stronger) |
| Funding & liquidity | 60 | 75 (stronger) |
| Problem-loan coverage | 87 (stronger) | 85 |
| Peer percentile | 37th | 53rd |
| Total assets | $425.7M | $397.9M |
| Deposits / shares | $374.8M | $355.1M |
| Capital ratio | 10.85% (stronger) | 10.54% |
| Problem loans | 0.94% | 0.72% (stronger) |
| Net charge-offs | 0.18% (stronger) | 0.29% |
| Return on assets | 1.48% | 1.70% (stronger) |
| Loans ÷ deposits | 89.4% | 80.6% (stronger) |
| Uninsured deposits | 24.6% | 18.9% (stronger) |
| Offices | 5 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.4% | 7.8% |
Southern Heritage Bank has the higher TellerScore (73 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Winnsboro State Bank & Trust Company leads on 2 and Southern Heritage Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.