Southeast First National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 3596.36 percentage points lower than in Q1 2026, at 3063.64%. Within Georgia, Southeast First National Bank is 107th of 121 on return on assets, 0.71% as of Q2 2026, below the middle of the field. Southeast First National Bank reported 0.71% on return on assets for Q2 2026, 0.27 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.67% |
| Equity capital to assets | 11.40% |
| Tangible equity to tangible assets | 11.40% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.06% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 0.12% |
| Allowance for credit losses to loans | 1.78% |
| Reserve coverage of non-performing loans | 3063.64% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.71% |
| Return on equity | 6.18% |
| Net interest margin | 3.86% |
| Efficiency ratio | 75.41% |
| Yield on earning assets | 4.68% |
| Cost of funds | 0.91% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 28.68% |
| Core deposits to total deposits | 81.88% |
| Brokered deposits to total deposits | 0.01% |
| Deposits to assets | 88.07% |
| Securities to assets | 35.94% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.45% | -0.14% | 2.59% | 0.29% | 0.00% |
| Q4 2023 | 12.60% | -0.03% | 2.78% | 0.30% | 0.00% |
| Q1 2024 | 11.82% | 0.07% | 2.48% | 0.26% | 0.00% |
| Q2 2024 | 12.20% | 0.12% | 3.04% | 0.26% | 0.07% |
| Q3 2024 | 12.42% | 0.37% | 3.00% | 0.04% | 0.94% |
| Q4 2024 | 12.60% | 1.55% | 3.36% | 0.15% | 0.00% |
| Q1 2025 | 12.86% | 3.46% | 2.92% | 0.00% | -6.54% |
| Q2 2025 | 12.34% | 0.55% | 3.47% | 0.00% | 0.00% |
| Q3 2025 | 12.58% | 0.79% | 3.53% | 0.00% | 0.00% |
| Q4 2025 | 12.15% | 0.08% | 3.64% | 0.02% | 0.00% |
| Q1 2026 | 11.63% | 0.88% | 3.62% | 0.02% | 0.19% |
| Q2 2026 | 11.67% | 0.71% | 3.86% | 0.06% | -0.02% |
Southeast First National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Southeast First National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)