Bryant Bank vs Southern Bank Co
Side-by-side bank health comparison using FDIC financial data
Bryant Bank (A) and Southern Bank Co (A) are close on the BankHealth rubric. Asset bases: $2.5B versus $114M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Reviewed by BankHealthData Editorial Team · Updated
Verdict
Bryant Bank has a stronger Bank Health Score of 100/100 (A) compared to Southern Bank Co at 97/100 (A), a difference of 3 points. Bryant Bank holds a Tier 1 capital ratio of 18.3% and an NPL ratio of 0.07%.
| Metric | Bryant Bank | Southern Bank Co |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A)* | 97/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 18.3%* | 15.9% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.1%* | 0.3% |
| Liquidity Ratio Cash and liquid assets vs obligations | 44.0% | 44.6%* |
| Return on Assets Profitability metric (above 1% is strong) | 2.1%* | 1.8% |
| Total Assets | $2.5B | $114M |
| Total Deposits | $2.0B | $93M |
| Location | Tuscaloosa, Alabama | Gadsden, Alabama |
Bryant Bank has a stronger Bank Health Score of 100/100 (A) compared to Southern Bank Co at 97/100 (A), a difference of 3 points. Bryant Bank holds a Tier 1 capital ratio of 18.3% and an NPL ratio of 0.07%.