Southeastern Bank
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Data as of · sourced from FFIEC call reports. How we update
Southeastern Bank is an FDIC-insured commercial bank headquartered in Darien, GA, established in 1889 (FDIC certificate 5685), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $624.9M, up 2.6% from Q2 2025, the 26th largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.42% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5685
- Headquarters
- Darien, GA
- Established
- 1889
- Total assets, Q2 2026
- $624.9M
- Assets vs Q2 2025
- +2.6%
- Tier 1 leverage ratio, Q2 2026
- 13.42%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 061205844
- Latest call report
- Q2 2026, FFIEC 051 · Southeastern Bank call report
- Holding company
- SOUTHEASTERN BANKING CORPORATION
- Asset rank in state
- 26th of 121 in Georgia
Southeastern Bank earns an unusually wide margin on its lending. It reported $625 million in assets at June 30, 2026, up 2.6% from a year earlier. It keeps 4.94 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). It also pays an average of 0.81% on its deposits and borrowings, about half the median of 1.80% for banks its size.
Loans are outrunning deposits: over the year loans rose 6.3% and deposits rose 2.0%.
As of June 30, 2026, Southeastern Bank reported a return on assets of 1.69%, a nonperforming-loan ratio of 0.38% and a Texas ratio of 1.92%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Southeastern Bank is the 26th largest of the 121 banks headquartered in Georgia. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.7% to $624.9M, loans rose 2.9% and deposits rose 0.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 41.9% of total loans, ahead of non-owner-occupied commercial real estate loans at 15.3%. The FDIC Summary of Deposits lists 11 offices for it, in 11 cities across 2 states; its Darien office books 22% of its branch deposits. By the capital ratios in its Q2 2026 call report, Southeastern Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1010 North Way, Darien, GA 31305
- County
- Mcintosh
- Metro Area
- Brunswick-St. Simons, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1889
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 112
- Domestic deposits
- $544.1M
- Allowance for credit losses
- $9.4M
- Net charge-offs (YTD)
- -$77K
- Average total assets
- $623.0M
- Average total loans
- $426.4M
- Average interest-bearing deposits
- $382.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5685
- Fed RSSD
- 210238
- SEC CIK
- 353386 → filed by SOUTHEASTERN BANKING CORPORATION
- Parent Holding Company
- SOUTHEASTERN BANKING CORPORATION (RSSD 1082058)
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, Southeastern 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, Southeastern Bank's total assets ran between $592.5M (Q3 2024) and $624.9M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$624.9M total assets against $609.1M; $547.6M total liabilities against $538.6M.
$422.3M net loans and leases against $397.6M; $544.1M total deposits against $533.4M.
$105.9M securities against $123.1M; $61.2M cash and balances due against $55.9M.
$8.3M total interest income against $7.9M; $1.1M total interest expense against $1.1M.
$7.3M net interest income against $6.8M.
$906K total noninterest income against $902K; $4.6M total noninterest expense against $4.4M.
$210K provision for credit losses against $120K.
$2.6M net income against $2.4M.
1.69% return on assets against 1.61%; 4.94% net interest margin against 4.71%.
13.42% tier 1 leverage ratio against 12.94%.
Inside the full Southeastern Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSoutheastern Bank rankings
Its closest position to the top of a national ranking is 932 of 3,611, for ROA; its furthest is 2,288 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.48% (Q4 2025) to 1.80% (Q3 2024) and its net interest margin ran from 4.53% (Q1 2025) to 4.94% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.42% | 1.69% | 0.38% | 1.92% | 4.94% |
| Q1 2026 | 13.29% | 1.75% | 0.36% | 1.84% | 4.80% |
| Q4 2025 | 13.10% | 1.48% | 0.31% | 1.59% | 4.82% |
| Q3 2025 | 13.13% | 1.70% | 0.26% | 1.39% | 4.87% |
| Q2 2025 | 12.94% | 1.61% | 0.29% | 1.53% | 4.71% |
| Q1 2025 | 12.68% | 1.64% | 0.23% | 1.26% | 4.53% |
| Q4 2024 | 12.65% | 1.70% | 0.23% | 1.28% | 4.71% |
| Q3 2024 | 12.54% | 1.80% | 0.28% | 1.49% | 4.67% |
Swipe the table sideways to see every column.
Branch Network
View all 11 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 |
|---|---|---|---|
| Southeastern Bank (main office) | Darien , GA | 31305 | $118.5M |
| Nahunta Branch | Nahunta , GA | 31553 | $84.4M |
| Kingsland Branch | Kingsland , GA | 31548 | $65.5M |
| Folkston Branch | Folkston , GA | 31537 | $59.4M |
| Callahan Branch | Callahan , FL | 32011 | $45.3M |
| Brunswick Branch | Brunswick , GA | 31525 | $44.5M |
| Richmond Hill Branch | Richmond Hill , GA | 31324 | $35.0M |
| Hilliard Branch | Hilliard , FL | 32046 | $34.3M |
| St. Simons Island Branch | Saint Simons Island , GA | 31522 | $30.0M |
| Eulonia Branch | Townsend , GA | 31331 | $26.7M |
| Hinesville Branch | Hinesville , GA | 31313 | $518K |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 26, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 26, 1998 | Structure Change | Acquired Southeastern Bank of Florida Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 2, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 2, 1990 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| August 1, 1988 | Structure Change | Acquired Nicholls State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 18, 1986 | Structure Change | Acquired Jeff Davis Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 1984 | Structure Change | Acquired The Camden County State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 7 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in GA, rank 56 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 237 applications, 217 loans originated, $57.8M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $298K approved, $298K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Southeastern Bank
What are Southeastern Bank's total assets?
As of the Q2 2026 filing, Southeastern Bank reported total assets of $624.9 million in its FFIEC call report.
Where is Southeastern Bank headquartered?
It is headquartered in Darien, GA, United States.
When was Southeastern Bank founded?
It was established in 1889, per the FDIC institution directory.
Is Southeastern Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5685). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Southeastern Bank?
Southeastern Bank's primary federal regulator is the FDIC.
How many branches does Southeastern Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Southeastern Bank's Texas Ratio?
Its Texas Ratio is 1.92% 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.
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