Side-by-side · Q2 2026 data
First American Bank and Trust Company vs Southern Energy Credit Union
Metric by metric
| Measure | First American Bank and Trust Company | Southern Energy Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 84 |
| Capital cushion | 83 | 96 (stronger) |
| Loan quality | 100 (stronger) | 92 |
| Earnings | 99 (stronger) | 39 |
| Funding & liquidity | 44 | 94 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 90th | 93rd |
| Total assets | $901.9M | $3.6B |
| Deposits / shares | $753.2M | $3.2B |
| Capital ratio | 13.34% | 14.59% (stronger) |
| Problem loans | 0.00% (stronger) | 0.23% |
| Net charge-offs | 0.00% (stronger) | 0.13% |
| Return on assets | 1.98% (stronger) | 0.46% |
| Loans ÷ deposits | 93.1% | 29.8% (stronger) |
| Uninsured deposits | 36.3% | 20.9% (stronger) |
| Offices | 7 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | — |
First American Bank and Trust Company has the higher TellerScore (86 vs 84). On the 7 directional measures above (where higher or lower is clearly better), First American Bank and Trust Company leads on 4 and Southern Energy Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.