Southern Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Southern Bank of Spartanburg, SC against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.11% | 1.25% | -1.14% | 5th bottom |
| ROAE | 1.48% | 12.22% | -10.74% | 5th bottom |
| Net Interest Margin | 3.22% | 3.95% | -0.73% | 16th bottom |
| Efficiency Ratio | 90.25% | 63.71% | +26.54% | 5th bottom |
| PPNR / Avg Assets | 0.29% | — | — | 4th bottom |
| Yield on Earning Assets | 6.13% | 5.67% | +0.46% | 74th above |
| Cost of Funds | 3.00% | 1.87% | +1.13% | 5th bottom |
| Net Interest Spread | 2.78% | — | — | 23rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.28% | 0.88% | -0.60% | 59th above |
| NPA / Total Assets | 0.33% | — | — | 49th below |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 88th top |
| ACL / Total Loans | 1.02% | — | — | 29th below |
| ACL / NPLs (Coverage) | 371.04% | — | — | 63rd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.85% | 5.96% | -2.11% | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 8.18% | 11.75% | -3.57% | 3rd bottom |
| Equity / Assets | 7.88% | 10.98% | -3.10% | 12th bottom |
| TCE / Tangible Assets | 7.88% | — | — | 14th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.97% | 80.44% | -6.47% | 64th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.30% | 86.95% | +0.35% | 40th below |
| Wholesale Funding Ratio | 3.68% | — | — | 49th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 16.43% | — | — | 93rd top |
| Loan Growth (Y/Y) | 25.04% | — | — | 95th top |
| Deposit Growth (Y/Y) | 19.90% | — | — | 94th top |
See Southern Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Southern Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Southern Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Southern Bank peer analysis.