Side-by-side · Q2 2026 data
Southeastern Bank vs United Community Bank
Metric by metric
| Measure | Southeastern Bank | United Community Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 67 |
| Capital cushion | 84 (stronger) | 45 |
| Loan quality | 87 (stronger) | 83 |
| Earnings | 89 (stronger) | 76 |
| Funding & liquidity | 80 (stronger) | 51 |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 90th | 63rd |
| Total assets | $624.9M | $29.0B |
| Deposits / shares | $544.1M | $24.1B |
| Capital ratio | 13.42% (stronger) | 9.52% |
| Problem loans | 0.38% (stronger) | 0.51% |
| Net charge-offs | -0.04% (stronger) | 0.19% |
| Return on assets | 1.71% (stronger) | 1.40% |
| Loans ÷ deposits | 77.6% (stronger) | 82.3% |
| Uninsured deposits | 17.3% (stronger) | 39.4% |
| Offices | 11 | 190 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.2% | 25.4% |
Southeastern Bank has the higher TellerScore (86 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Southeastern Bank leads on 7 and United Community Bank on 0. 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.