Southeast First National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Southeast First National Bank of Summerville, GA against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.71% | 3.14% | -2.43% | 34th below |
| ROAE | 6.18% | 10.43% | -4.25% | 36th below |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.86% | 3.93% | -0.07% | 50th above |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 75.41% | 76.30% | -0.89% | 39th below |
| PPNR / Avg Assets | 0.94% | 1.40% | -0.46% | 37th below |
| Yield on Earning Assets | 4.68% | 5.35% | -0.67% | 28th below |
| Cost of Funds | 0.91% | 1.71% | -0.80% | 83rd top |
| Net Interest Spread | 3.50% | 3.31% | +0.19% | 58th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 1.34% | -1.28% | 62nd above |
| NPA / Total Assets | 0.01% | 0.71% | -0.70% | 61st above |
| NCO / Avg Loans | -0.02% | 0.11% | -0.13% | 84th top |
| ACL / Total Loans | 1.78% | 1.49% | +0.29% | 78th top |
| ACL / NPLs (Coverage) | 3063.64% | 857.38% | +2206.26% | — |
| Texas Ratio | 0.12% | 8.27% | -8.15% | 67th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 66.67% | 315.63% | -248.96% | 55th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.67% | 17.62% | -5.95% | 35th below |
| Equity / Assets | 11.40% | 16.43% | -5.03% | 40th below |
| TCE / Tangible Assets | 11.40% | 16.18% | -4.78% | 42nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 28.68% | 72.92% | -44.24% | 92nd top |
| Core Deposit Ratio | 81.88% | 88.23% | -6.35% | 16th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.54% | 4.29% | +5.25% | 82nd top |
| Loan Growth (Y/Y) | -1.78% | 6.74% | -8.52% | 33rd below |
| Deposit Growth (Y/Y) | 10.81% | 3.76% | +7.05% | 86th top |
See Southeast First National Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Southeast First National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Southeast First National Bank profile, how to read a UBPR, or how this data updates.