Southeast First National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Commercial and industrial climbed 5.18 percentage points in Q2 2026, from 5.14% to 10.32%. It was the largest change from Q1 2026 among the key lines here. Southeast First National Bank has the 4th lowest loan-to-deposit ratio of the 122 banks headquartered in Georgia, at 28.68% as of Q2 2026. Southeast First National Bank's loan-to-deposit ratio of 28.68% is well below the 67.62% median for banks in the < $100M asset tier, a gap of 38.94 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $18.9M |
| Net loans and leases | $18.6M |
| Loans held for sale | $0 |
| Loans to total assets | 25.26% |
| Loan-to-deposit ratio | 28.68% |
| Net loans to equity capital | 2.18% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.42% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 10.32% |
| Consumer | 8.06% |
| Credit cards | 0.29% |
| Farm | 1.65% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.09% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 24.11% |
| Construction concentration (Tier 1 capital + allowance) | 6.73% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 8.70% |
| Interest income on loans | $432K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $17.8M | $55.1M | 17.34% | 6.46% | 11.53% |
| Q4 2023 | $16.6M | $54.8M | 26.80% | 6.80% | 12.38% |
| Q1 2024 | $17.8M | $54.1M | 22.42% | 8.70% | 11.87% |
| Q2 2024 | $18.1M | $53.1M | 21.73% | 8.03% | 11.28% |
| Q3 2024 | $18.7M | $55.3M | 22.04% | 7.34% | 10.07% |
| Q4 2024 | $17.6M | $52.8M | 23.17% | 6.91% | 10.58% |
| Q1 2025 | $17.7M | $58.9M | 26.47% | 5.36% | 10.55% |
| Q2 2025 | $19.3M | $59.5M | 31.72% | 4.39% | 10.38% |
| Q3 2025 | $19.8M | $60.0M | 31.75% | 4.23% | 10.04% |
| Q4 2025 | $20.7M | $61.5M | 31.07% | 5.38% | 9.88% |
| Q1 2026 | $20.6M | $64.6M | 34.03% | 5.14% | 9.09% |
| Q2 2026 | $18.9M | $66.0M | 30.42% | 10.32% | 8.06% |
Southeast First National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Southeast First National Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Southeast First National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19819) · FFIEC NIC profile (RSSD 563934)