Side-by-side · Q2 2026 data
SouthEast Bank vs SmartBank
Metric by metric
| Measure | SouthEast Bank | SmartBank |
|---|---|---|
| TellerScore | 36 | 66 (stronger) |
| Capital cushion | 35 | 49 (stronger) |
| Loan quality | 11 | 92 (stronger) |
| Earnings | 50 | 65 (stronger) |
| Funding & liquidity | 55 (stronger) | 38 |
| Problem-loan coverage | 49 | 97 (stronger) |
| Peer percentile | 1st | 40th |
| Total assets | $3.6B | $6.1B |
| Deposits / shares | $3.2B | $5.4B |
| Capital ratio | 8.51% | 9.86% (stronger) |
| Problem loans | 2.66% | 0.24% (stronger) |
| Net charge-offs | 0.10% | 0.03% (stronger) |
| Return on assets | 0.75% | 1.12% (stronger) |
| Loans ÷ deposits | 96.1% | 86.2% (stronger) |
| Uninsured deposits | 23.4% (stronger) | 47.9% |
| Offices | 14 | 42 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.7% | 12.9% |
SmartBank has the higher TellerScore (66 vs 36). On the 7 directional measures above (where higher or lower is clearly better), SouthEast Bank leads on 1 and SmartBank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.