Bank Comparison
Southern Bank Company, the vs Connect Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Southern Bank Company, the | Connect Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 14.96% | 15.16% |
| Equity / Assets | 13.65% | 12.11% |
Profitability
| Metric | Southern Bank Company, the | Connect Bank |
|---|---|---|
| Return on Assets (ROA) | 1.11% | 2.02% |
| Return on Equity (ROE) | 8.37% | 16.80% |
| Net Interest Margin (NIM) | 7.54% | 4.90% |
| Yield on Earning Assets | 9.64% | 6.34% |
| Cost of Funds | 2.60% | 1.62% |
Asset quality
| Metric | Southern Bank Company, the | Connect Bank |
|---|---|---|
| Texas Ratio | 9.67% | 1.83% |
| Non-Performing Loan Ratio | 3.12% | 0.40% |
| Non-Performing Asset Ratio | 1.40% | 0.25% |
| Net Charge-Off Ratio | -1.07% | 0.15% |
| ACL / Loans | 2.29% | 2.34% |
Balance sheet
| Metric | Southern Bank Company, the | Connect Bank |
|---|---|---|
| Total Assets | $128,192K | $128,062K |
| Total Deposits | $102,392K | $111,988K |
| Total Loans | $57,690K | $79,188K |
| Total Equity | $17,504K | $15,504K |
| Net Income (quarter) | $363 | $640 |
Liquidity & funding
| Metric | Southern Bank Company, the | Connect Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 56.34% | 70.71% |
| Core Deposit Ratio | 75.54% | 91.18% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Southern Bank Company, the | Connect Bank |
|---|---|---|
| Headquarters City | GADSDEN | STAR CITY |
| Headquarters State | AL | AR |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 4 | 5 |
| Employees (FTE) | 42 | 30 |
| Established | June 1, 1936, midnight | April 7, 1925, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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