Southeast Bank
Southeast Bank is an FDIC-insured commercial bank headquartered in Farragut, TN, supervised by the Federal Reserve, with $3.67B in total assets at Q3 2026, up 6.8% from Q3 2025, the 6th largest of 109 banks headquartered in Tennessee. It was established in 2002 and holds FDIC certificate 57348. Its CET1 capital ratio was 12.70% at Q3 2026, above regulatory requirements.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 57348
- Headquarters
- Farragut, TN
- Established
- 2002
- Total assets, Q3 2026
- $3.67B
- Assets vs Q3 2025
- +6.8%
- CET1 ratio, Q3 2026
- 12.70%
- Domestic offices
- 15 branches
- Routing number
- 064208767
- Safety and soundness
- Is Southeast Bank safe?
- Latest call report
- Q3 2026, FFIEC 051 · Southeast Bank call report
- Holding company
- SOUTHEAST BANCORP, INC.
- Asset rank in state
- 6th of 109 in Tennessee
Southeast Bank operates with a thinner capital cushion than most banks of its size. Based in Farragut, Tennessee, it had $3.7 billion in assets at September 30, 2026, up 6.8% from a year earlier. It funds 8.61% of its assets with Tier 1 capital, lower than about 9 in 10 of the 887 banks with $1 billion to $10 billion in assets (median 10.57%). It also pays an average of 2.95% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.05%).
Earnings jumped: net income for the quarter was $8.5 million, 46% above the same quarter a year earlier. Profitability lags: it earns about $0.93 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.32).
As of September 30, 2026, Southeast Bank reported a CET1 capital ratio of 12.70%, a return on assets of 0.93%, a nonperforming-loan ratio of 2.93% and a Texas ratio of 2.45%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, Southeast Bank is the 6th largest by total assets at Q3 2026. From Q2 2026 to Q3 2026, its total assets rose 2.5% to $3.67B, loans rose 3.6% and deposits rose 2.2%. Other consumer loans made up 53.0% of its total loans on September 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 13.1%. The FDIC Summary of Deposits lists 15 offices for it, in 11 cities in TN; its Farragut office books 34% of its branch deposits. Judged on its Q3 2026 call report, Southeast Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 12700 Kingston Pike, Farragut, TN 37934
- County
- Knox
- Metro Area
- Knoxville, TN
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 29, 2002
- Domestic offices
- 15 branches
- Employees (FTE)
- 310
- Domestic deposits
- $3.30B
- Allowance for credit losses
- $19.4M
- Net charge-offs (YTD)
- $2.0M
- Average total assets
- $3.65B
- Average total loans
- $3.22B
- Average interest-bearing deposits
- $3.08B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 29, 2002
- FDIC Cert
- 57348
- Fed RSSD
- 3110197
- SEC CIK
- 1642471 → filed by EDUCATION LOAN FINANCE, INC.
- Website
- www.southeastbank.com →
- Parent Holding Company
- SOUTHEAST BANCORP, INC. (RSSD 3808122)
- Ultimate Parent
- EDUCATION LOAN FINANCE, INC. (RSSD 3808131)
Profitability
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
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Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, Southeast Bank's total assets ran between $2.85B (Q2 2024) and $3.67B (Q3 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$3.67B total assets against $3.44B; $3.36B total liabilities against $3.16B.
$3.21B net loans and leases against $3.00B; $3.30B total deposits against $3.11B.
$785K securities against $1.0M; $253.9M cash and balances due against $241.2M.
$53.6M total interest income against $53.0M; $24.3M total interest expense against $24.8M.
$29.2M net interest income against $28.3M.
$1.7M total noninterest income against $1.8M; $20.6M total noninterest expense against $20.6M.
$24K provision for credit losses against $2.0M.
$8.5M net income against $5.8M.
0.93% return on assets against 0.68%; 3.34% net interest margin against 3.48%.
12.70% CET1 capital ratio against 12.00%; 8.61% tier 1 leverage ratio against 8.24%.
Inside the full Southeast Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital. The 200% line is a BankRegReports watch band, not a supervisory threshold; the 2006 interagency guidance level is 300%. BankRegReports early-warning band below the 300% guidance.
Southeast Bank rankings
Its closest position to the top of a national ranking is 353 of 4,193, for total assets; its furthest is 761 of 973, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 0.61% (Q1 2026) to 0.93% (Q3 2026) and its net interest margin ran from 3.31% (Q1 2026) to 3.76% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 12.70% | 0.93% | 2.93% | 2.45% | 3.34% |
| Q2 2026 | 12.52% | 0.89% | 2.66% | 1.66% | 3.34% |
| Q1 2026 | 12.31% | 0.61% | 2.73% | 1.46% | 3.31% |
| Q4 2025 | 12.28% | 0.66% | 3.43% | 1.83% | 3.39% |
| Q3 2025 | 12.00% | 0.68% | 3.30% | 1.73% | 3.48% |
| Q2 2025 | 12.30% | 0.73% | 3.33% | 1.49% | 3.43% |
| Q1 2025 | 12.96% | 0.66% | 3.66% | 1.67% | 3.35% |
| Q4 2024 | 13.93% | 0.75% | 2.32% | 0.91% | 3.76% |
Swipe the table sideways to see every column.
Branch Network
View all 15 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Southeast Bank (main office) | Farragut , TN | 37934 | $1.09B |
| Cookeville Branch | Cookeville , TN | 38501 | $326.9M |
| Athens Branch | Athens , TN | 37303 | $280.1M |
| Lenoir City Branch | Lenoir City , TN | 37771 | $223.1M |
| Ooltewah Branch | Ooltewah , TN | 37363 | $205.5M |
| Cleveland Branch | Cleveland , TN | 37312 | $182.0M |
| Spring City Branch | Spring City , TN | 37381 | $147.8M |
| Decatur Branch | Decatur , TN | 37322 | $142.4M |
| Chattanooga Branch | Chattanooga , TN | 37450 | $140.4M |
| North Cookeville Branch | Cookeville , TN | 38501 | $122.4M |
| BeardenKingston Pike Branch | Knoxville , TN | 37919 | $117.0M |
| Dayton Branch | Dayton , TN | 37321 | $85.6M |
| Southeast Bank (main office) | Knoxville , TN | 37932 | $81.9M |
| North Broadway Branch | Knoxville , TN | 37918 | $78.4M |
| Southeast Bank Branch | Knoxville , TN | 37922 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 1, 2013 | M&A | Acquired Community Bank of the Cumberlands merger for the acquired bank | SEC |
| March 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2013 | Structure Change | Acquired Community Bank of the Cumberlands Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 6, 2007 | Delisting | deregistration | SEC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (FDIC)
- September 23, 2025, FDIC: Cease and Desist / Consent Orders: SouthEast Bank
- November 25, 2024, FDIC: Cease and Desist / Consent Orders: SouthEast Bank
- Period: Most recent institution action September 23, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.3% of deposits in TN, rank 11 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 495 applications, 388 loans originated, $104.0M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $50K approved, $50K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Southeast Bank
What are Southeast Bank's total assets?
As of the Q3 2026 filing, Southeast Bank reported total assets of $3.67 billion in its FFIEC call report.
Where is Southeast Bank headquartered?
It is headquartered in Farragut, TN, United States.
When was Southeast Bank founded?
It was established in 2002, per the FDIC institution directory.
Is Southeast Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57348). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Southeast Bank?
Southeast Bank's primary federal regulator is the Federal Reserve.
What is Southeast Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.70% in its Q3 2026 call report, above regulatory requirements.
How many branches does Southeast Bank operate?
It operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Southeast Bank's Texas Ratio?
Its Texas Ratio is 2.45% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
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