Southeast First National Bank
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Data as of · sourced from FFIEC call reports. How we update
Southeast First National Bank is an FDIC-insured commercial bank headquartered in Summerville, GA, established in 1968 (FDIC certificate 19819), and it is supervised by the OCC. At Q2 2026 it reported total assets of $74.9M, up 9.5% from Q2 2025, the 116th largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.67% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 19819
- Headquarters
- Summerville, GA
- Established
- 1968
- Total assets, Q2 2026
- $74.9M
- Assets vs Q2 2025
- +9.5%
- Tier 1 leverage ratio, Q2 2026
- 11.67%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 061101414
- Latest call report
- Q2 2026, FFIEC 051 · Southeast First National Bank call report
- Holding company
- SUMMERVILLE/TRION BANCSHARES, INC.
- Asset rank in state
- 116th of 121 in Georgia
Southeast First National Bank, based in Summerville, Georgia, reported $75 million in assets at June 30, 2026, up 9.5% from a year earlier. It grew deposits 10.8% over the year, 4.3 times the median of 2.5% for the 583 banks with less than $100 million in assets. It also pays an average of 0.91% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.53%).
Earnings jumped: net income for the quarter was $131,000, 39% above the same quarter a year earlier. Over the same year, loans shrank 1.8% and deposits grew 10.8%.
As of June 30, 2026, Southeast First National Bank reported a return on assets of 0.71%, a nonperforming-loan ratio of 0.06% and a Texas ratio of 0.12%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Southeast First National Bank is the 116th largest of the 121 banks headquartered in Georgia. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.1% to $74.9M, loans fell 8.3% and deposits rose 2.2%. 1-4 family residential loans made up 45.0% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 22.3%. The FDIC Summary of Deposits lists 3 offices for it, in Summerville, GA, Trion, GA and Panama City, FL; its Summerville office books 90% of its branch deposits. Judged on its Q2 2026 call report, Southeast First National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 10144 Commerce St, Summerville, GA 30747
- County
- Chattooga
- Metro Area
- Summerville, GA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 22, 1968
- Former names
- First National Bank of Chattooga County (1971-2008); First National Bank of Trion (1971)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 18
- Domestic deposits
- $66.0M
- Allowance for credit losses
- $337K
- Net charge-offs (YTD)
- $9K
- Average total assets
- $73.3M
- Average total loans
- $19.9M
- Average interest-bearing deposits
- $49.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 22, 1968
- FDIC Cert
- 19819
- Fed RSSD
- 563934
- Website
- WWW.SOUTHEASTFNB.COM →
- Parent Holding Company
- SUMMERVILLE/TRION BANCSHARES, INC. (RSSD 1133754)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Southeast First National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Southeast First National Bank's total assets ran between $60.8M (Q4 2024) and $74.9M (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$74.9M total assets against $68.4M; $66.4M total liabilities against $60.0M.
$18.6M net loans and leases against $18.9M; $66.0M total deposits against $59.5M.
$26.9M securities against $25.5M; $27.7M cash and balances due against $22.6M.
$838K total interest income against $773K; $147K total interest expense against $183K.
$691K net interest income against $590K.
$19K total noninterest income against $25K; $537K total noninterest expense against $499K.
$3K provision for credit losses against $3K.
$131K net income against $94K.
0.71% return on assets against 0.55%; 3.86% net interest margin against 3.47%.
11.67% tier 1 leverage ratio against 12.34%.
Inside the full Southeast First National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.08% (Q4 2025) to 3.46% (Q1 2025) and its net interest margin ran from 2.92% (Q1 2025) to 3.86% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.67% | 0.71% | 0.06% | 0.12% | 3.86% |
| Q1 2026 | 11.63% | 0.88% | 0.02% | 0.06% | 3.62% |
| Q4 2025 | 12.15% | 0.08% | 0.03% | 0.08% | 3.64% |
| Q3 2025 | 12.58% | 0.79% | 0.00% | 0.00% | 3.53% |
| Q2 2025 | 12.34% | 0.55% | 0.00% | 0.00% | 3.47% |
| Q1 2025 | 12.86% | 3.46% | 0.00% | 0.00% | 2.92% |
| Q4 2024 | 12.60% | 1.55% | 0.15% | 0.33% | 3.36% |
| Q3 2024 | 12.42% | 0.37% | 0.04% | 0.10% | 3.00% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 First National Bank (main office) | Summerville , GA | 30747 | $59.6M |
| Trion Branch | Trion , GA | 30753 | $6.2M |
| Hutchison Boulevard Branch | Panama City , FL | 32407 | $125K |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 162 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 27 applications, 27 loans originated, $3.3M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, 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 First National Bank
What are Southeast First National Bank's total assets?
As of the Q2 2026 filing, Southeast First National Bank reported total assets of $74.9 million in its FFIEC call report.
Where is Southeast First National Bank headquartered?
It is headquartered in Summerville, GA, United States.
When was Southeast First National Bank founded?
It was established in 1968, per the FDIC institution directory.
Is Southeast First National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19819). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Southeast First National Bank?
Southeast First National Bank's primary federal regulator is the OCC.
How many branches does Southeast First National Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Southeast First National Bank's Texas Ratio?
Its Texas Ratio is 0.12% in its Q2 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 non-performing assets against the bank's capital and reserves.
What was Southeast First National Bank previously called?
The charter now named Southeast First National Bank has also operated as First National Bank of Chattooga County (1971-2008), First National Bank of Trion (1971), per FDIC structure-change records.
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