Premier Bank of the South vs Southern Bank Co
Side-by-side bank health comparison using FDIC financial data
Premier Bank of the South (A) and Southern Bank Co (A) are close on the BankHealth rubric. Asset bases: $354M 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.
Verdict
Premier Bank of the South has a stronger Bank Health Score of 97/100 (A) compared to Southern Bank Co at 97/100 (A), a difference of 0 points. Premier Bank of the South holds a Tier 1 capital ratio of 16.7% and an NPL ratio of 0.02%.
| Metric | Premier Bank of the South | Southern Bank Co |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 97/100 (A) | 97/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 16.7%* | 15.9% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.3% |
| Liquidity Ratio Cash and liquid assets vs obligations | 42.5% | 44.6%* |
| Return on Assets Profitability metric (above 1% is strong) | 1.2% | 1.8%* |
| Total Assets | $354M | $114M |
| Total Deposits | $326M | $93M |
| Location | Cullman, Alabama | Gadsden, Alabama |
Premier Bank of the South has a stronger Bank Health Score of 97/100 (A) compared to Southern Bank Co at 97/100 (A), a difference of 0 points. Premier Bank of the South holds a Tier 1 capital ratio of 16.7% and an NPL ratio of 0.02%.