Side-by-side · Q2 2026 data
Southeastern Bank vs The Citizens Bank of Georgia
Metric by metric
| Measure | Southeastern Bank | The Citizens Bank of Georgia |
|---|---|---|
| TellerScore | 86 (stronger) | 85 |
| Capital cushion | 84 (stronger) | 65 |
| Loan quality | 87 | 100 (stronger) |
| Earnings | 89 | 94 (stronger) |
| Funding & liquidity | 80 | 80 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 90th | 88th |
| Total assets | $624.9M | $598.5M |
| Deposits / shares | $544.1M | $531.3M |
| Capital ratio | 13.42% (stronger) | 11.49% |
| Problem loans | 0.38% | 0.00% (stronger) |
| Net charge-offs | -0.04% (stronger) | -0.01% |
| Return on assets | 1.71% | 1.86% (stronger) |
| Loans ÷ deposits | 77.6% | 60.6% (stronger) |
| Uninsured deposits | 17.3% (stronger) | 33.1% |
| Offices | 11 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.2% | 1.6% |
Southeastern Bank has the higher TellerScore (86 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Southeastern Bank leads on 4 and The Citizens Bank of Georgia on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.