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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 0.80%, down 121 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 0.06% of loans (+6 bps YoY), with net charge-offs at 0.10%.
  • 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 (YTD, annualized)

0.80%-121 bps YoY

Net Interest Margin (YTD, annualized)

3.63%+55 bps YoY

Efficiency Ratio (YTD, annualized)

73.08%+1,018 bps YoY

Tier 1 Leverage Ratio

11.67%-67 bps YoY

NIM

3.86%Q2 ’244.16%Q2 ’254.45%Q2 ’26+13%+18%

Non-interest income vs. expense

2.80%Q2 ’242.67%Q2 ’252.73%Q2 ’26-42%+74%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.18%0.53%3.51%2.00%1.59%1.20%0.88%0.80%-121 bps
Return on Equity1.52%4.34%28.04%16.10%12.76%9.66%7.48%6.81%-928 bps
Net Interest Margin2.80%2.87%2.86%3.08%3.21%3.22%3.53%3.63%+55 bps
Efficiency Ratio88.45%78.27%49.52%62.90%65.44%72.28%70.32%73.08%+1,018 bps
Non-Interest Burden2.42%2.10%0.26%1.51%1.81%2.15%2.45%2.62%+112 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 / Loans0.33%0.26%-6.56%-3.01%-1.95%-1.40%0.19%0.10%+311 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