TellerScore

Southeastern Bank (FDIC certificate #5685) is based in Darien, Georgia. Its Q2 2026 call report shows $624.9M in total assets and $544.1M in deposits and 11 offices across 2 states.

Based on its Q2 2026 filing, Southeastern Bank scores 86/100, which we describe as very strong. That is higher than 90% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 24th. Its strongest component is problem-loan coverage (96/100; 1.9%), and its lowest is funding & liquidity (80/100; 78% loans-to-deposits, 17% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion84/100
Tier 1 leverage ratio: 13.42%
Loan quality87/100
Noncurrent loans ÷ total loans: 0.38%
Earnings89/100
Return on assets (annualized): 1.71%
Funding & liquidity80/100
Loans ÷ deposits and uninsured-deposit share: 77.6% · 17.3% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.92%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (85 → 86).

TellerScore
858687Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202485
Q3 202486
Q4 202487
Q1 202586
Q2 202585
Q3 202586
Q4 202586
Q1 202687
Q2 202686
Tier 1 leverage ratio
5.00%9.21%13.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.32%
Q3 202412.54%
Q4 202412.65%
Q1 202512.68%
Q2 202512.94%
Q3 202513.13%
Q4 202513.10%
Q1 202613.29%
Q2 202613.42%
Noncurrent loans
0.22%0.30%0.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.22%
Q3 20240.28%
Q4 20240.23%
Q1 20250.23%
Q2 20250.29%
Q3 20250.26%
Q4 20250.31%
Q1 20260.36%
Q2 20260.38%
Return on assets
1.61%1.69%1.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.75%
Q3 20241.77%
Q4 20241.76%
Q1 20251.66%
Q2 20251.63%
Q3 20251.66%
Q4 20251.61%
Q1 20261.74%
Q2 20261.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$624.9M13.42%0.38%1.71%77.6%
Q1 202687$620.8M13.29%0.36%1.74%75.8%
Q4 202586$623.4M13.10%0.31%1.61%74.5%
Q3 202586$604.0M13.13%0.26%1.66%76.9%
Q2 202585$609.1M12.94%0.29%1.63%74.5%
Q1 202586$605.3M12.68%0.23%1.66%73.1%
Q4 202487$602.0M12.65%0.23%1.76%71.1%
Q3 202486$592.5M12.54%0.28%1.77%73.0%
Q2 202485$595.1M12.32%0.22%1.75%72.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.42%
78th
Total risk-based capital0.00%
24th
Problem loans0.38%
52nd
Net charge-offs-0.04%
95th
Return on assets1.71%
76th
Net interest margin4.90%
90th
Efficiency ratio55.0%
72nd
Loans to deposits77.6%
54th
Uninsured deposits17.3%
74th
Loan-loss reserves2.18%
95th
Texas ratio1.9%
59th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
First Port City BankBank Bainbridge, GA66 out of 100, Moderate$623.9M10.5%1.04%vs
Community Bank of Pickens CountyBank Jasper, GA73 out of 100, Strong$628.6M13.6%1.96%vs
Northeast Georgia BankBank Lavonia, GA93 out of 100, Very strong$650.6M13.4%0.01%vs
The Citizens Bank of GeorgiaBank Cumming, GA85 out of 100, Very strong$598.5M11.5%0.00%vs
Guardian BankBank Valdosta, GA65 out of 100, Moderate$597.9M11.5%1.49%vs
Pineland BankBank Alma, GA75 out of 100, Strong$597.1M10.5%0.49%vs

Deposit insurance

Is my money safe at Southeastern Bank?

Yes. Southeastern Bank is an FDIC-insured institution (FDIC certificate #5685). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.3% of deposits ($94.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.42%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Southeastern Bank lists 11 offices in 11 cities across 2 states. Most locations:

  • Brunswick, GA (1)
  • Callahan, FL (1)
  • Darien, GA (1)
  • Folkston, GA (1)
  • Hilliard, FL (1)
  • Hinesville, GA (1)
  • Kingsland, GA (1)
  • Nahunta, GA (1)
  • Richmond Hill, GA (1)
  • Saint Simons Island, GA (1)
  • Townsend, GA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Southeastern Bank reported 237 home-loan applications under HMDA (LEI 549300LG7IO23TN5LR98): 217 originated ($57,825,000 total), 5 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Southeastern Bank
Former names
The Darien Bank
Type
State-chartered bank
FDIC certificate #
5685
RSSD ID
210238
Primary regulator
FDIC
Holding company
Southeastern Banking Corp
Established
January 1, 1889
Headquarters
1010 North Way, Darien, GA 31305
Employees
112

Quick answers

Southeastern Bank: common questions

Is Southeastern Bank FDIC insured?

Yes. Southeastern Bank is an FDIC-insured institution (FDIC certificate #5685). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Southeastern Bank's TellerScore?

86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Southeastern Bank ever failed?

There is no failure record for FDIC certificate #5685 in the FDIC failed bank list.

How many branches does Southeastern Bank have?

11 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Darien

InstitutionScoreAssetsCapitalProblem loansCompare
Interstate Credit UnionCredit union Jesup, GA89 out of 100, Very strong$410.9M15.8%0.54%vs
Bank OZKBank Little Rock, AR76 out of 100, Strong$41.7B14.0%0.92%vs
Thomasville National BankBank Thomasville, GA76 out of 100, Strong$2.2B10.7%0.22%vs
Five Star Credit UnionCredit union Dothan, AL72 out of 100, Strong$1.3B13.8%1.50%vs
South Coast Bank & TrustBank Brunswick, GA72 out of 100, Strong$269.8M9.9%0.49%vs
United Community BankBank Greenville, SC67 out of 100, Moderate$29.0B9.5%0.51%vs