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Southeast First National Bank

Summerville, GA · Cert 19819 · Summerville Trion Bancshares

National charter · OCC · 3 branches

Q2 2026

$74.9MAssets
$18.9MLoans
$66.0MDeposits
$8.5MEquity
Loan mix
86%RE $17.4M5%C&I $1.1M9%Consumer $1.9MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $50.8M23%Noninterest $15.2MQ3 2024Q2 2026

Market Position · Panama City-Panama City Beach, FL · 2026 SOD (annual) · 0.0% share · #19 of 19 inst. · $0.0B of $5.1B

14.8% Chattooga
0.0% Bay

Executive Summary

  • Earnings: ROA of 0.71%, up 15 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 0.06% of loans (+6 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 11.67%, down 67 bps from a year ago.
  • Funding: loans stand at 28.68% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.71%+15 bps YoY

Net Interest Margin (quarter, annualized)

3.77%+33 bps YoY

Efficiency Ratio (quarter, annualized)

75.63%-550 bps YoY

Tier 1 Leverage Ratio

11.67%-67 bps YoY

NIM

4.03%Q2 ’244.51%Q2 ’254.57%Q2 ’26+17%+10%

Non-interest income vs. expense

2.96%Q2 ’242.91%Q2 ’252.93%Q2 ’26-2%+2%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.36%1.55%3.51%0.55%0.78%0.08%0.88%0.71%+15 bps
Return on Equity3.01%12.60%28.04%4.49%6.31%0.65%7.48%6.18%+169 bps
Net Interest Margin2.90%3.24%2.86%3.44%3.44%3.60%3.53%3.77%+33 bps
Efficiency Ratio77.07%56.80%49.52%81.14%71.48%93.65%70.32%75.63%-550 bps
Non-Interest Burden2.01%1.27%0.26%2.77%2.42%3.36%2.45%2.83%+6 bps
Growth
Asset Growth (YoY)0.61%-2.62%9.51%12.32%9.35%15.82%8.52%9.54%-278 bps
Loan Growth (YoY)5.39%5.94%-0.53%6.57%5.94%17.96%16.69%-1.78%-834 bps
Deposit Growth (YoY)0.39%-3.56%8.88%12.07%8.52%16.44%9.64%10.81%-125 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.15%0.00%0.00%0.00%0.03%0.02%0.06%+6 bps
Net Charge-Offs / Loans0.92%0.00%-6.56%0.00%0.00%0.00%0.19%-0.02%-2 bps
Allowance / Loans1.74%1.87%1.87%1.73%1.70%1.64%1.61%1.78%+5 bps
Allowance Coverage of NPLs40.6x12.1xn/an/an/a48.6x66.6x30.6xn/a
Capital
Tier 1 Leverage Ratio12.42%12.60%12.86%12.34%12.58%12.15%11.63%11.67%-67 bps
Total Risk-Based Capital12.42%12.60%12.86%12.34%12.58%12.15%11.63%11.67%-67 bps
Equity / Assets11.87%12.74%12.30%12.32%12.41%12.20%11.46%11.40%-92 bps
Liquidity & Funding
Loans / Deposits33.82%33.27%30.02%32.36%33.02%33.70%31.95%28.68%-368 bps
Liquid Assets / Assets62.79%64.06%68.32%66.58%66.64%65.97%67.39%70.37%+379 bps
CRE / Total Capitaln/an/an/an/a82.86%86.06%93.04%n/an/a