Southeastern Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Southeastern Bank of Darien, GA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.69% | 1.34% | +0.35% | 73rd above |
| ROAE | 13.71% | 13.31% | +0.40% | 58th above |
| Net Interest Margin | 4.94% | 3.93% | +1.01% | 91st top |
| Efficiency Ratio | 55.94% | 61.14% | -5.20% | 66th above |
| PPNR / Avg Assets | 2.29% | 1.68% | +0.61% | 83rd top |
| Yield on Earning Assets | 5.67% | 5.67% | +0.00% | 53rd above |
| Cost of Funds | 0.81% | 1.88% | -1.07% | 95th top |
| Net Interest Spread | 4.55% | 3.32% | +1.23% | 95th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.39% | 0.94% | -0.55% | 51st above |
| NPA / Total Assets | 0.27% | 0.70% | -0.43% | 53rd above |
| NCO / Avg Loans | -0.08% | 0.16% | -0.24% | 96th top |
| ACL / Total Loans | 2.18% | 1.28% | +0.90% | 95th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 564.03% | 1539.32% | -975.29% | 73rd above |
| Texas Ratio | 2.02% | 7.33% | -5.31% | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.42% | 12.14% | +1.28% | 78th top |
| Equity / Assets | 12.37% | 11.37% | +1.00% | 74th above |
| TCE / Tangible Assets | 12.37% | 11.09% | +1.28% | 76th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.34% | 80.64% | -1.30% | 53rd above |
| Core Deposit Ratio | 99.04% | 86.85% | +12.19% | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.60% | 6.85% | -4.25% | 37th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.34% | 7.90% | -1.56% | 56th above |
| Deposit Growth (Y/Y) | 2.00% | 6.29% | -4.29% | 35th below |
See Southeastern Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Southeastern Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Southeastern Bank profile, how to read a UBPR, or how this data updates.