Dickson, TN · Cert 29782 · Southeastern Bcorp Inc.
SI · FDIC · 17 branches
Q2 2026
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 0.5% share · #26 of 62 inst. · $0.5B of $107.8B
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 | 1.16% | 1.25% | 1.39% | 1.45% | 1.32% | 1.34% | 1.27% | 1.36% | -9 bps | |
| Return on Equity | 11.48% | 12.27% | 12.96% | 13.68% | 12.51% | 12.69% | 12.15% | 13.03% | -65 bps | |
| Net Interest Margin | 3.14% | 3.32% | 3.19% | 3.23% | 3.09% | 3.07% | 3.04% | 3.12% | -11 bps | |
| Efficiency Ratio | 57.26% | 56.51% | 49.07% | 48.95% | 50.26% | 50.35% | 50.43% | 50.07% | +113 bps | |
| Non-Interest Burden | 1.61% | 1.69% | 1.23% | 1.24% | 1.23% | 1.23% | 1.23% | 1.26% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.58% | 0.12% | -1.45% | 7.09% | 6.74% | 9.22% | 12.58% | 5.34% | -175 bps | |
| Loan Growth (YoY) | -1.50% | -1.51% | -3.36% | 1.84% | 5.55% | 8.09% | 15.46% | 15.84% | +1,400 bps | |
| Deposit Growth (YoY) | 1.49% | -0.57% | -2.51% | 6.79% | 6.68% | 9.36% | 13.42% | 5.07% | -172 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.18% | 0.56% | 0.44% | 0.57% | 0.39% | 0.43% | 0.60% | 0.52% | -4 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.11% | 0.03% | 0.00% | 0.21% | 0.15% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 2.09% | 2.00% | 2.09% | 2.06% | 2.01% | 2.03% | 2.03% | 1.96% | -10 bps | |
| Allowance Coverage of NPLs | 11.8x | 3.5x | 4.8x | 3.6x | 5.1x | 4.7x | 3.4x | 3.7x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.53% | 10.73% | 11.04% | 10.88% | 10.47% | 10.55% | 10.48% | 10.48% | -40 bps | |
| Total Risk-Based Capital | 10.53% | 10.73% | 11.04% | 10.88% | 10.47% | 10.55% | 10.48% | 10.48% | -40 bps | |
| Equity / Assets | 10.42% | 10.58% | 10.90% | 10.37% | 10.49% | 10.58% | 10.40% | 10.43% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.24% | 66.52% | 66.33% | 63.65% | 64.55% | 65.75% | 67.53% | 70.17% | +653 bps | |
| Liquid Assets / Assets | 26.52% | 25.75% | 26.12% | 30.01% | 31.02% | 29.57% | 27.95% | 25.03% | -498 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 212% | 212% | 232% | n/a | n/a | |