The Southern Bank Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Southern Bank Company of Gadsden, AL against its peer group of 2603 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 | 1.49% | 1.34% | +0.15% | 63rd above |
| ROAE | 11.22% | 13.32% | -2.10% | 43rd below |
| Net Interest Margin | 8.84% | 3.93% | +4.91% | 100th top |
| Efficiency Ratio | 66.89% | 61.13% | +5.76% | 35th below |
| PPNR / Avg Assets | 2.96% | 1.68% | +1.28% | 95th top |
| Yield on Earning Assets | 10.91% | 5.67% | +5.24% | 100th top |
| Cost of Funds | 2.63% | 1.88% | +0.75% | 12th bottom |
| Net Interest Spread | 8.01% | 3.32% | +4.69% | 100th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.89% | 0.94% | +0.95% | 14th bottom |
| NPA / Total Assets | 0.97% | 0.70% | +0.27% | 21st bottom |
| NCO / Avg Loans | -0.37% | 0.16% | -0.53% | 99th top |
| ACL / Total Loans | 2.52% | 1.28% | +1.24% | 97th top |
| ACL / NPLs (Coverage) | 133.02% | 1546.32% | -1413.30% | 37th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.59% | 7.34% | -0.75% | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.05% | 12.14% | +2.91% | 87th top |
| Equity / Assets | 13.42% | 11.36% | +2.06% | 81st top |
| TCE / Tangible Assets | 13.42% | 11.08% | +2.34% | 83rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.08% | 80.66% | -15.58% | 77th top |
| Core Deposit Ratio | 75.48% | 86.85% | -11.37% | 9th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.46% | 6.84% | -0.38% | 65th above |
| Loan Growth (Y/Y) | 16.78% | 7.92% | +8.86% | 89th top |
| Deposit Growth (Y/Y) | 2.96% | 6.29% | -3.33% | 42nd below |
See The Southern Bank Company's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Southern Bank Company, 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 The Southern Bank Company profile, how to read a UBPR, or how this data updates.