Southeast Bank: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
Southeast Bank reported all 19 line items on this page on its Q3 2026 filing. Common equity Tier 1 ratio was 12.70% in Q3 2026, up 0.70 percentage points from 12.00% in Q3 2025. Across the 12 quarters shown it ranged from 12.00% (Q3 2025) to 14.01% (Q2 2024).
The standout move of Q3 2026 was in Accumulated other comprehensive income: 53.0% higher than in Q2 2026, at $1.9M. Southeast Bank ranks 42nd of 68 Tennessee banks on CET1 ratio, in the lower half at 12.70% (Q3 2026). The median for banks in the $1B-10B asset tier is 13.60% on CET1 ratio. Southeast Bank sits 0.90 points lower, at 12.70% (Q3 2026).
Risk-based capital ratios
Largest change in this table: total risk-based capital ratio, up 0.21 points to 13.51% in Q3 2026 after 13.30% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.70% |
| Tier 1 risk-based capital ratio | 12.70% |
| Total risk-based capital ratio | 13.51% |
| Tier 1 leverage ratio | 8.61% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it normally sits well below the risk-based ratios.
Source: Call Report Schedule RC-R, Part I: Common equity Tier 1 ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Capital amounts
Total equity capital moved most in this table, up 3.0%: $307.0M in Q2 2026, $316.1M in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $314.0M |
| Tier 1 capital | $314.0M |
| Total risk-based capital | $334.0M |
| Total equity capital | $316.1M |
| Risk-weighted assets | $2.47B |
Source: Call Report Schedule RC: Total equity capital (item 27.a, RCON3210).
Capital adequacy
Equity capital to average assets changed the most here, up 0.11 points to 8.66% in Q3 2026 from 8.55% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 8.61% |
| Tangible equity to tangible assets | 8.60% |
| Equity capital to average assets | 8.66% |
| Internal capital growth rate | 11.03% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $1.3M |
| Common stock surplus | $98.2M |
| Retained earnings | $214.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $1.9M |
| Subordinated notes and debentures | $0 |
Capital Ratios and Amounts trend
Capital Ratios and Amounts by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 12.36% | 12.36% | 13.48% | 9.14% | $1.92B |
| Q1 2024 | 12.31% | 12.31% | 13.36% | 8.47% | $1.98B |
| Q2 2024 | 14.01% | 14.01% | 15.17% | 8.75% | $1.80B |
| Q3 2024 | 13.96% | 13.96% | 15.14% | 9.13% | $1.85B |
| Q4 2024 | 13.93% | 13.93% | 14.90% | 9.19% | $1.89B |
| Q1 2025 | 12.96% | 12.96% | 13.84% | 8.90% | $2.07B |
| Q2 2025 | 12.30% | 12.30% | 13.15% | 8.28% | $2.23B |
| Q3 2025 | 12.00% | 12.00% | 12.85% | 8.24% | $2.34B |
| Q4 2025 | 12.28% | 12.28% | 13.13% | 8.54% | $2.38B |
| Q1 2026 | 12.31% | 12.31% | 13.16% | 8.51% | $2.42B |
| Q2 2026 | 12.52% | 12.52% | 13.30% | 8.51% | $2.44B |
| Q3 2026 | 12.70% | 12.70% | 13.51% | 8.61% | $2.47B |
Southeast Bank capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Southeast Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 57348) · FFIEC NIC profile (RSSD 3110197)