Greeleyville, SC · Cert 15113 · Southeastern Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 1.07% | 0.55% | 1.12% | 1.07% | 0.82% | 1.12% | 1.18% | +6 bps | |
| Return on Equity | 11.00% | 11.05% | 5.68% | 11.75% | 10.93% | 8.20% | 11.27% | 12.11% | +36 bps | |
| Net Interest Margin | 4.42% | 4.39% | 4.08% | 4.43% | 4.60% | 4.65% | 4.31% | 4.42% | -1 bps | |
| Efficiency Ratio | 70.62% | 71.69% | 75.17% | 67.54% | 71.07% | 79.64% | 67.91% | 65.20% | -234 bps | |
| Non-Interest Burden | 2.93% | 2.97% | 3.00% | 2.79% | 3.07% | 3.56% | 2.73% | 2.66% | -13 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 | 0.05% | 0.01% | 0.13% | 0.78% | 0.07% | 0.00% | 0.64% | 0.20% | -58 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 | |