Greeleyville, SC · Cert 15113 · Southeastern Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
22
Asset Quality
29
Profitability
65
Liquidity
95
Efficiency
44
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Greeleyville, SC · Cert 15113 · Southeastern Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 1.04% | 0.55% | 0.84% | 0.92% | 0.90% | 1.12% | 1.15% | +31 bps | |
| Return on Equity | 10.80% | 10.93% | 5.68% | 8.76% | 9.48% | 9.18% | 11.27% | 11.69% | +293 bps | |
| Net Interest Margin | 4.26% | 4.26% | 4.08% | 4.29% | 4.36% | 4.39% | 4.31% | 4.29% | 0 bps | |
| Efficiency Ratio | 69.44% | 70.02% | 75.17% | 71.11% | 71.10% | 73.40% | 67.91% | 66.51% | -460 bps | |
| Non-Interest Burden | 2.77% | 2.79% | 3.00% | 2.92% | 2.95% | 3.07% | 2.73% | 2.65% | -27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.18% | 6.93% | 8.88% | 7.26% | 5.10% | 9.39% | 8.44% | 8.22% | +96 bps | |
| Loan Growth (YoY) | 3.68% | 2.70% | 3.21% | 6.01% | 6.31% | 8.83% | 7.98% | 9.10% | +309 bps | |
| Deposit Growth (YoY) | 5.95% | 7.17% | 8.88% | 7.06% | 4.91% | 9.29% | 8.33% | 11.36% | +430 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.48% | 0.09% | 0.33% | 0.52% | 0.42% | 0.26% | 0.51% | 0.38% | -15 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.03% | 0.13% | 0.45% | 0.32% | 0.23% | 0.64% | 0.40% | -5 bps | |
| Allowance / Loans | 1.16% | 1.16% | 1.29% | 1.08% | 1.10% | 1.07% | 0.99% | 0.98% | -11 bps | |
| Allowance Coverage of NPLs | 2.4x | 12.4x | 3.9x | 2.1x | 2.6x | 4.1x | 1.9x | 2.6x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.18% | 11.43% | 10.86% | 11.04% | 11.13% | 11.23% | 10.91% | 10.62% | -41 bps | |
| Total Risk-Based Capital | 11.18% | 11.43% | 10.86% | 11.04% | 11.13% | 11.23% | 10.91% | 10.62% | -41 bps | |
| Equity / Assets | 9.69% | 9.67% | 9.57% | 9.56% | 10.03% | 10.02% | 9.82% | 9.73% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.90% | 79.77% | 75.47% | 78.08% | 78.94% | 79.43% | 75.22% | 76.49% | -158 bps | |
| Liquid Assets / Assets | 10.51% | 7.36% | 12.06% | 7.76% | 6.88% | 7.37% | 11.16% | 8.18% | +42 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 145.07% | 162.11% | 160.46% | n/a | n/a | |
Greeleyville, SC · Cert 15113 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Southeastern Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.13%
Rank 333 of 746
Net Interest Margin
4.29%
Rank 147 of 746
Efficiency Ratio
66.51%
Rank 417 of 746
Equity / Assets
9.73%
Rank 463 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.13% | 0.72% | 1.06% | 1.45% | Beats 55% | 333 / 746 | ||
| Return on Equity | 11.58% | 6.74% | 10.51% | 13.63% | Beats 60% | 296 / 746 | ||
| Net Interest Margin | 4.29% | 3.17% | 3.68% | 4.16% | Beats 80% | 147 / 746 | ||
| Efficiency Ratio | 66.51% | 55.74% | 64.58% | 75.47% | Beats 44% | 417 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.38% | 0.09% | 0.42% | 1.07% | Beats 54% | 343 / 743 | ||
| Net Charge-Offs / Loans | 0.36% | 0.00% | 0.01% | 0.05% | Beats 4% | 713 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.62% | 11.55% | 13.75% | 17.60% | Beats 15% | 632 / 746 | ||
| Total Risk-Based Capital Ratio | 10.62% | 11.71% | 14.33% | 18.43% | Beats 14% | 642 / 746 | ||
| Equity / Assets | 9.73% | 8.90% | 10.51% | 13.06% | Beats 38% | 463 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.49% | 61.31% | 78.27% | 90.78% | 47th pctl | 396 / 746 | ||
| Loans / Assets | 68.84% | 53.60% | 66.97% | 76.08% | 55th pctl | 338 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||