Southeastern Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 13.42% +4.42 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $83.6M | 83,589 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $623.0M | 623,050 | RCOAA224 |
| Recomputed ratio | 13.42% | numerator / denominator | |
| Filed ratio | 13.42% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +4.42 pp | $27.5M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 39,453 | 39,395 | 39,347 | 39,316 | 39,285 | 39,253 | RCOAP742 |
| Retained earnings | 44,136 | 42,737 | 41,256 | 40,543 | 39,276 | 38,160 | RCOAKW00 |
| Accumulated other comprehensive income | (6,274) | (6,247) | (6,104) | (6,995) | (7,796) | (8,397) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 77,315 | 75,885 | 74,499 | 72,864 | 70,765 | 69,016 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 6,274 | 6,247 | 6,104 | 6,995 | 7,796 | 8,397 | P859 - P840 |
| Common equity Tier 1 capital | 83,589 | 82,132 | 80,603 | 79,859 | 78,561 | 77,413 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 83,589 | 82,132 | 80,603 | 79,859 | 78,561 | 77,413 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 623,050 | 618,225 | 615,513 | 608,168 | 607,256 | 610,749 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 13.42% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 13.29% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 13.10% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 13.13% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 12.94% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 12.68% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 12.65% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 12.54% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 12.32% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 11.97% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 11.82% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 11.59% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Southeastern Bank (this bank) | CBLR | NA | NA | NA | 13.42% | |
| Tioga State Bank, N.A. | $625.2M | Risk-based | 19.96% | 19.96% | 21.22% | 11.38% |
| American Bank N.A. | $625.2M | Risk-based | 14.59% | 14.59% | 15.84% | 10.86% |
| Liberty National Bank | $624.4M | Risk-based | 11.80% | 11.80% | 12.76% | 10.31% |
| First Port City Bank | $623.9M | Risk-based | 13.64% | 13.64% | 14.89% | 10.49% |
| South Story Bank & Trust | $623.9M | CBLR | NA | NA | NA | 10.93% |
| Scale Bank | $626.7M | CBLR | NA | NA | NA | 14.02% |
| Exchange Bank & Trust | $626.8M | CBLR | NA | NA | NA | 12.97% |
| Sunrise Bank | $622.9M | CBLR | NA | NA | NA | 9.50% |
| Slovenian Savings and Loan Association of Canonsburg, Pa | $627.0M | CBLR | NA | NA | NA | 16.55% |
| Peer 25th percentile | 13.18% | 13.18% | 14.36% | 10.49% | ||
| Peer median | 14.11% | 14.11% | 15.37% | 10.93% | ||
| Peer 75th percentile | 15.93% | 15.93% | 17.19% | 12.97% | ||
| This bank's percentile | NA | NA | NA | 78 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/210238/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.