Side-by-side · Q2 2026 data
Southeastern Bank vs Guardian Bank
Metric by metric
| Measure | Southeastern Bank | Guardian Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 65 |
| Capital cushion | 84 (stronger) | 65 |
| Loan quality | 87 (stronger) | 50 |
| Earnings | 89 (stronger) | 82 |
| Funding & liquidity | 80 (stronger) | 60 |
| Problem-loan coverage | 96 (stronger) | 80 |
| Peer percentile | 90th | 29th |
| Total assets | $624.9M | $597.9M |
| Deposits / shares | $544.1M | $524.3M |
| Capital ratio | 13.42% (stronger) | 11.55% |
| Problem loans | 0.38% (stronger) | 1.49% |
| Net charge-offs | -0.04% (stronger) | 0.03% |
| Return on assets | 1.71% (stronger) | 1.54% |
| Loans ÷ deposits | 77.6% | 68.5% (stronger) |
| Uninsured deposits | 17.3% (stronger) | 43.2% |
| Offices | 11 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.2% | 1.3% |
Southeastern Bank has the higher TellerScore (86 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Southeastern Bank leads on 6 and Guardian Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.