Southeast First National Bank
Summerville, GA · Cert 19819 · Peer group: banks under $1B in assets operating regionally (n=94) · Summerville Trion Bancshares
National charter · OCC · 3 branches
Q2 2026
$74.9MAssets
$18.9MLoans
$66.0MDeposits
$8.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 88% of banks under $1B in assets operating regionally (rank 12 of 94).
- Widest gap: return on equity trails 79% of banks under $1B in assets operating regionally (rank 74 of 94).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.77%
Rank 74 of 94
Net Interest Margin
3.63%
Rank 59 of 94
Efficiency Ratio
73.08%
Rank 72 of 94
Equity / Assets
11.40%
Rank 25 of 94
Non-interest income vs. expense
Unfavorable gap of $1.9M · efficiency ratio beats 24% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.77% | 0.82% | 1.19% | 1.46% | Beats 21% | 74 / 94 | | |
| Return on Equity | 6.79% | 7.85% | 11.84% | 14.03% | Beats 21% | 74 / 94 | | |
| Net Interest Margin | 3.63% | 3.42% | 3.81% | 4.18% | Beats 37% | 59 / 94 | | |
| Efficiency Ratio | 73.08% | 55.99% | 62.41% | 73.02% | Beats 24% | 72 / 94 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.06% | 0.19% | 0.47% | 1.14% | Beats 88% | 12 / 94 | | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.02% | 0.05% | Beats 26% | 71 / 94 | | |
| Capital |
| Tier 1 Capital Ratio | 11.67% | 10.28% | 11.95% | 15.07% | Beats 46% | 51 / 94 | | |
| Total Risk-Based Capital Ratio | 11.67% | 10.31% | 12.59% | 15.88% | Beats 43% | 54 / 94 | | |
| Equity / Assets | 11.40% | 8.98% | 10.21% | 11.41% | Beats 73% | 25 / 94 | | |
| Liquidity & Funding |
| Loans / Deposits | 28.68% | 72.62% | 84.44% | 94.55% | 1st pctl | 93 / 94 | | |
| Loans / Assets | 25.26% | 62.50% | 72.84% | 78.99% | 1st pctl | 93 / 94 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |