Side-by-side · Q2 2026 data
Southeastern Bank vs Waycross Bank & Trust
Metric by metric
| Measure | Southeastern Bank | Waycross Bank & Trust |
|---|---|---|
| TellerScore | 86 (stronger) | 79 |
| Capital cushion | 84 (stronger) | 71 |
| Loan quality | 87 | 92 (stronger) |
| Earnings | 89 (stronger) | 72 |
| Funding & liquidity | 80 (stronger) | 72 |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 90th | 75th |
| Total assets | $624.9M | $242.2M |
| Deposits / shares | $544.1M | $217.3M |
| Capital ratio | 13.42% (stronger) | 12.15% |
| Problem loans | 0.38% | 0.25% (stronger) |
| Net charge-offs | -0.04% (stronger) | -0.00% |
| Return on assets | 1.71% (stronger) | 1.30% |
| Loans ÷ deposits | 77.6% | 56.5% (stronger) |
| Uninsured deposits | 17.3% (stronger) | 40.1% |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.2% | — |
Southeastern Bank has the higher TellerScore (86 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Southeastern Bank leads on 5 and Waycross Bank & Trust on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.