Southeastern 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: 30.60 percentage points lower than in Q1 2026, at 564.03%. Within Georgia, Southeastern Bank is 50th of 121 on return on assets, 1.69% as of Q2 2026, above the middle of the field. Southeastern Bank reported 1.69% on return on assets for Q2 2026, 0.43 points above the 1.25% median for banks in the $100M-1B 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 | 13.42% |
| Equity capital to assets | 12.37% |
| Tangible equity to tangible assets | 12.37% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.39% |
| Non-performing assets ratio | 0.27% |
| Net charge-off ratio | -0.08% |
| Texas ratio | 2.02% |
| Allowance for credit losses to loans | 2.18% |
| Reserve coverage of non-performing loans | 564.03% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.69% |
| Return on equity | 13.71% |
| Net interest margin | 4.94% |
| Efficiency ratio | 55.94% |
| Yield on earning assets | 5.67% |
| Cost of funds | 0.81% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.34% |
| Core deposits to total deposits | 99.04% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.07% |
| Securities to assets | 16.95% |
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 | 11.59% | 1.36% | 4.41% | 0.32% | 0.01% |
| Q4 2023 | 11.82% | 1.85% | 4.47% | 0.34% | 0.04% |
| Q1 2024 | 11.97% | 1.85% | 4.71% | 0.34% | 0.03% |
| Q2 2024 | 12.32% | 1.68% | 4.65% | 0.29% | 0.02% |
| Q3 2024 | 12.54% | 1.80% | 4.67% | 0.35% | -0.14% |
| Q4 2024 | 12.65% | 1.70% | 4.71% | 0.30% | -0.01% |
| Q1 2025 | 12.68% | 1.64% | 4.53% | 0.23% | -0.10% |
| Q2 2025 | 12.94% | 1.61% | 4.71% | 0.29% | 0.03% |
| Q3 2025 | 13.13% | 1.70% | 4.87% | 0.25% | 0.08% |
| Q4 2025 | 13.10% | 1.48% | 4.82% | 0.31% | 0.05% |
| Q1 2026 | 13.29% | 1.75% | 4.80% | 0.36% | 0.01% |
| Q2 2026 | 13.42% | 1.69% | 4.94% | 0.39% | -0.08% |
Southeastern Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Southeastern 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 Southeastern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5685) · FFIEC NIC profile (RSSD 210238)