Side-by-side · Q2 2026 data
State Bank of Fairmont vs First Southeast Bank
Metric by metric
| Measure | State Bank of Fairmont | First Southeast Bank |
|---|---|---|
| TellerScore | 61 | 68 (stronger) |
| Capital cushion | 54 (stronger) | 34 |
| Loan quality | 32 | 95 (stronger) |
| Earnings | 89 (stronger) | 84 |
| Funding & liquidity | 76 (stronger) | 50 |
| Problem-loan coverage | 74 | 97 (stronger) |
| Peer percentile | 20th | 37th |
| Total assets | $154.2M | $158.3M |
| Deposits / shares | $139.1M | $116.0M |
| Capital ratio | 10.40% (stronger) | 8.42% |
| Problem loans | 2.03% | 0.14% (stronger) |
| Net charge-offs | 0.27% | -0.01% (stronger) |
| Return on assets | 1.74% (stronger) | 1.60% |
| Loans ÷ deposits | 75.1% (stronger) | 117.2% |
| Uninsured deposits | 23.5% | 14.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Southeast Bank has the higher TellerScore (68 vs 61). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Fairmont leads on 3 and First Southeast Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.