Side-by-side · Q2 2026 data
Southeast First National Bank vs River City Bank
Metric by metric
| Measure | Southeast First National Bank | River City Bank |
|---|---|---|
| TellerScore | 74 | 77 (stronger) |
| Capital cushion | 67 (stronger) | 51 |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 52 | 89 (stronger) |
| Funding & liquidity | 60 | 60 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 51st | 68th |
| Total assets | $74.9M | $423.4M |
| Deposits / shares | $66.0M | $380.9M |
| Capital ratio | 11.67% (stronger) | 10.15% |
| Problem loans | 0.06% | 0.00% (stronger) |
| Net charge-offs | 0.09% | -0.02% (stronger) |
| Return on assets | 0.80% | 1.71% (stronger) |
| Loans ÷ deposits | 28.2% (stronger) | 86.2% |
| Uninsured deposits | 50.9% | 27.7% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 4.1% |
River City Bank has the higher TellerScore (77 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Southeast First National Bank leads on 2 and River City Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.