Southeastern 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.86 percentage points higher than in Q1 2026, at 79.34%. Southeastern Bank ranks 62nd of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 79.34% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Southeastern Bank reported 79.34% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $431.7M |
| Net loans and leases | $422.3M |
| Loans held for sale | $0 |
| Loans to total assets | 69.08% |
| Loan-to-deposit ratio | 79.34% |
| Net loans to equity capital | 5.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.07% |
| Multifamily (5+ residential) | 1.11% |
| Commercial and industrial | 7.33% |
| Consumer | 2.34% |
| Credit cards | 0.00% |
| Farm | 2.93% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.58% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 141.11% |
| Construction concentration (Tier 1 capital + allowance) | 64.88% |
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 | — |
| Interest income on loans | $7.3M |
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 | $338.2M | $535.2M | 25.56% | 12.54% | 2.73% |
| Q4 2023 | $348.3M | $552.0M | 26.08% | 12.57% | 2.71% |
| Q1 2024 | $359.8M | $539.3M | 26.08% | 12.21% | 2.68% |
| Q2 2024 | $378.8M | $510.6M | 28.47% | 11.28% | 2.61% |
| Q3 2024 | $385.5M | $516.6M | 28.08% | 10.82% | 2.66% |
| Q4 2024 | $386.1M | $531.4M | 29.87% | 11.00% | 2.64% |
| Q1 2025 | $397.2M | $532.3M | 28.79% | 9.30% | 3.01% |
| Q2 2025 | $405.9M | $533.4M | 28.49% | 9.29% | 2.94% |
| Q3 2025 | $414.8M | $528.0M | 29.10% | 8.59% | 2.92% |
| Q4 2025 | $415.4M | $545.5M | 29.09% | 7.30% | 2.94% |
| Q1 2026 | $419.5M | $541.4M | 28.47% | 7.30% | 2.85% |
| Q2 2026 | $431.7M | $544.1M | 28.07% | 7.33% | 2.34% |
Southeastern Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Southeastern 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 Southeastern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5685) · FFIEC NIC profile (RSSD 210238)