BanksSOUTHEAST FIRST NATIONAL BANK

SOUTHEAST FIRST NATIONAL BANK

SUMMERVILLE, GAMicroEst. May 22, 1968, midnightFDIC #19819RSSD #563934OCC
Latest · 2025-12-31

SOUTHEAST FIRST NATIONAL BANK is an FDIC-insured commercial bank headquartered in SUMMERVILLE, GA, established in May 22, 1968, midnight. As of 2025-12-31, the bank reported total assets of $70M and total deposits of $62M. Profitability stands at 0.08% ROA and 0.65% ROE, with a net interest margin of 3.98%. CET1 capital ratio: 12.20%, well above regulatory minimums. NPL ratio: 0.02% · Texas Ratio: 0.06%. Operates 3 domestic branches.

Assets
$70M
Deposits
$62M
Loans
$21M
Equity
$9M

Profitability

Return on Assets (ROA)0.08%
Return on Equity (ROE)0.65%
Net Interest Margin3.98%
Yield on Assets5.07%
Cost of Funds1.15%

Asset Quality

NPL Ratio0.02%
Net Charge-Off Ratio-1.40%
Texas Ratio0.06%
NPA Ratio0.01%
ACL / Loans1.64%

Capital & Liquidity

CET1 Ratio12.20%
Tier 1 Capital12.20%
Total Capital Ratio12.81%
Leverage Ratio12.15%
Loan-to-Deposit33.70%

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