Southeastern Bank

Headquarters: Darien, Georgia
Charter: Bank
Assets: $624.9M
Fed district: Atlanta
Regulator: FDIC
Holding company: Southeastern Banking Corp.

15 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 11, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 11, 2026

How these figures are measured

Call-report figures are for Southeastern Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Southeastern Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 11, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Southeastern Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $232K in Q2 2026, 3.1% above the same quarter a year earlier ($225K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Premier Checking $6 · Generations Gold® Club Checking $8
Compared at $7, the middle of its prices
Southeastern Bank: $6 to $8
Southeastern Bank: $6 to $8
U.S. median: no median
Overdraft (OD)
Southeastern Bank: $32
Southeastern Bank: $32
U.S. median: no median
Non-Network ATM
Southeastern Bank: $0.50
Southeastern Bank: $0.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Georgia, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Georgia: Banks and credit unions headquartered in Georgia that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income was about level from Q3 2025 to Q2 2026, at $232K.

Service-charge income, Q2 2026

$232K

$233KQ3 2025

$236KQ4 2025

$231KQ1 2026

$232KQ2 2026

Against the median

Southeastern BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Southeastern Bank · $625M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Banks only
$610M to $638M in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Southeastern Bank(this institution)	Darien, GA	$625M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
All America Bank	Oklahoma City, OK	$611M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
American State Bank	Arp, TX	$638M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Andrew Johnson Bank	Greeneville, TN	$612M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
AVB Bank	Broken Arrow, OK	$612M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Century Savings Bank	Vineland, NJ	$635M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Claremont Savings Bank	Claremont, NH	$620M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community First Bank	Boscobel, WI	$634M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Savings Bank	Edgewood, IA	$614M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Crossroads Bank	Wabash, IN	$616M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
DeMotte State Bank	Demotte, IN	$622M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Empire State Bank	Staten Island, NY	$618M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Bank Kansas	Salina, KS	$619M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
First National Bank of Louisiana	Crowley, LA	$631M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Port City Bank	Bainbridge, GA	$624M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
FNBT BANK	Fort Walton Beach, FL	$629M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Haverhill Bank	Haverhill, MA	$637M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Heritage Bank	Wood River, NE	$612M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Legends Bank	Linn, MO	$636M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
NBT Financial Bank	Fort Worth, TX	$619M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
NewBank	Flushing, NY	$618M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Peoples Exchange Bank	Winchester, KY	$610M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Phelps County Bank	Rolla, MO	$622M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Quaint Oak Bank	Southampton, PA	$631M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The First National Bank of Carmi	Carmi, IL	$622M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tioga State Bank National Association	Spencer, NY	$625M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is broadly aligned with similar-sized banks: within 1% of their median.

Compared at $7, the middle of its two prices, against a peer median of $6.99 among 12 publishing peers.

Its two checking prices are $6 and $8.

$7 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Southeastern Bank: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Southeastern Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $232K
vs prior quarter: +$1K+0.4%; from Q1 2026
vs a year earlier: +$7K+3.1%; from Q2 2025
vs start of range: +$4K+1.8%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Southeastern Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$232K	+$1K	+0.4%
Q1 2026	$231K	−$5K	−2.1%
Q4 2025	$236K	+$3K	+1.3%
Q3 2025	$233K	+$8K	+3.6%
Q2 2025	$225K	−$7K	−3.0%
Q1 2025	$232K	−$4K	−1.7%
Q4 2024	$236K	+$8K	+3.5%
Q3 2024	$228K	+$9K	+4.1%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Southeastern Bank’s own schedules, with a source for each figure.

Account Maintenance

Low monthly maintenance fee$8
per month
Premier Checking Low monthly maintenance fee$6
per month
Low balance fee$3
per month
Dormant Account Fee - Checking Accounts$5
Account Research - Per Hour$25
Not compared: Charged per hour; comparison unavailable
per hour
Excess Withdrawals$6
per item

Overdraft & NSF

Overdraft Fee$32
Overdraft Sweep Fee$5

ATM & Card

ATM Fee - Cash withdrawal at ATMs we do not own or operate$0.50
Debit Card Replacement$5
Debit Card Expedited Replacement Fee$50

Wire Transfers

Wire Transfers - Outgoing Domestic$20
Wire Transfers - Outgoing Foreign$50

Check Services

Cashier's Checks$5
Stop Payments (Each)$30
per item
Counter Checks (First Sheet of 4 Checks Free)$5

Account Services

Safe Deposit Box - Drilling Box$175
Not compared: Box drilling or key fee
Safe Deposit Box - Lost Key$75
Not compared: Box drilling or key fee

Other Fees

Interim Statements$3
Statement Reproduction$5

Fee	Amount	Basis	Note
Account Maintenance
Low monthly maintenance fee	$8	per month	None
Premier Checking Low monthly maintenance fee	$6	per month	None
Low balance fee	$3	per month	None
Dormant Account Fee - Checking Accounts	$5	Not stated	None
Account Research - Per Hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Excess Withdrawals	$6	per item	None
Overdraft & NSF
Overdraft Fee	$32	Not stated	None
Overdraft Sweep Fee	$5	Not stated	None
ATM & Card
ATM Fee - Cash withdrawal at ATMs we do not own or operate	$0.50	Not stated	None
Debit Card Replacement	$5	Not stated	None
Debit Card Expedited Replacement Fee	$50	Not stated	None
Wire Transfers
Wire Transfers - Outgoing Domestic	$20	Not stated	None
Wire Transfers - Outgoing Foreign	$50	Not stated	None
Check Services
Cashier's Checks	$5	Not stated	None
Stop Payments (Each)	$30	per item	None
Counter Checks (First Sheet of 4 Checks Free)	$5	Not stated	None
Account Services
Safe Deposit Box - Drilling Box	$175Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box - Lost Key	$75Not compared: Box drilling or key fee	Not stated	None
Other Fees
Interim Statements	$3	Not stated	None
Statement Reproduction	$5	Not stated	None

Account Maintenance

Dormant Account Fee - Checking Accounts$5
Account Research - Per Hour$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Fee$32
Overdraft Sweep Fee$5

ATM & Card

ATM Fee - Cash withdrawal at ATMs we do not own or operate$0.50
Debit Card Replacement$5
Debit Card Expedited Replacement Fee$50

Wire Transfers

Wire Transfers - Outgoing Domestic$20
Wire Transfers - Outgoing Foreign$50

Check Services

Cashier's Checks$5
Stop Payments (Each)$30
per item
Counter Checks (First Sheet of 4 Checks Free)$5

Cash & Deposit

Chargeback Item (Applicable to commercial accounts)$5

Account Services

Safe Deposit Box - Drilling Box$175
Not compared: Box drilling or key fee
Safe Deposit Box - Lost Key$75
Not compared: Box drilling or key fee

Other Fees

Interim Statements$3
Statement Reproduction$5

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee - Checking Accounts	$5	Not stated	None
Account Research - Per Hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Fee	$32	Not stated	None
Overdraft Sweep Fee	$5	Not stated	None
ATM & Card
ATM Fee - Cash withdrawal at ATMs we do not own or operate	$0.50	Not stated	None
Debit Card Replacement	$5	Not stated	None
Debit Card Expedited Replacement Fee	$50	Not stated	None
Wire Transfers
Wire Transfers - Outgoing Domestic	$20	Not stated	None
Wire Transfers - Outgoing Foreign	$50	Not stated	None
Check Services
Cashier's Checks	$5	Not stated	None
Stop Payments (Each)	$30	per item	None
Counter Checks (First Sheet of 4 Checks Free)	$5	Not stated	None
Cash & Deposit
Chargeback Item (Applicable to commercial accounts)	$5	Not stated	None
Account Services
Safe Deposit Box - Drilling Box	$175Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box - Lost Key	$75Not compared: Box drilling or key fee	Not stated	None
Other Fees
Interim Statements	$3	Not stated	None
Statement Reproduction	$5	Not stated	None

Correct a fee source

Oct 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Southeastern Bank operates, and what regulators and customers have on file.

Market position

In Brunswick-St. Simons, GA, Southeastern Bank holds 9% of bank deposits, #4 of 14, with 5 offices.

Compare fees with the 14 Brunswick-St. Simons, GA banks and credit unions in its home-metro peer set →

Offices in the metro

40 offices of 17 institutions shown.

Southeastern BankOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Brunswick-St. Simons, GA metro (FDIC metro code 15260), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 2 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Ameris Bank16.3%
2Truist Bank13.3%
3PrimeSouth Bank11.3%
4Southeastern Bank9.0%
5United Community Bank8.9%
6Pinnacle Bank8.4%
7Bank of America, National Association7.8%
8Thomasville National Bank7.1%

8 of 14 institutions shown. $3.4B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Brunswick-St. Simons, GA metro (FDIC metro code 15260)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 9% share, 5 offices, #4 of 14

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Brunswick-St. Simons, GA metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

9 offices of 4 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Enforcement actions

None on file with the Federal Reserve

The Federal Reserve has no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Fee change alerts

Get an email when Southeastern Bank's ach origination changes in our data

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