Tuscaloosa, AL · Cert 31127 · Southeastern Financial Inc.
State savings bank · OCC · 3 branches
Q2 2026
Market Position · Tuscaloosa, AL · 2026 SOD (annual) · 2.2% share · #11 of 30 inst. · $0.1B of $5.5B
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 | -0.35% | -1.16% | 0.01% | 0.31% | 0.79% | -0.40% | 0.70% | 0.55% | +24 bps | |
| Return on Equity | -4.88% | -15.32% | 0.17% | 4.27% | 10.57% | -5.18% | 9.12% | 7.19% | +292 bps | |
| Net Interest Margin | 2.06% | 2.08% | 1.99% | 2.37% | 2.56% | 2.52% | 2.53% | 2.57% | +21 bps | |
| Efficiency Ratio | 104.54% | 115.66% | 99.79% | 95.93% | 90.09% | 105.76% | 90.17% | 92.93% | -300 bps | |
| Non-Interest Burden | 2.45% | 3.32% | 1.98% | 1.95% | 1.51% | 2.96% | 1.58% | 1.86% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.58% | -6.75% | -0.99% | -3.11% | -5.18% | 5.99% | 2.07% | 0.42% | +353 bps | |
| Loan Growth (YoY) | 5.29% | -9.24% | -0.85% | -3.33% | -5.06% | 8.03% | 3.75% | 0.43% | +376 bps | |
| Deposit Growth (YoY) | 20.86% | 9.62% | 8.05% | -3.09% | -13.76% | -6.54% | -7.89% | 0.22% | +332 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.64% | 0.69% | 0.69% | 0.48% | 0.31% | 0.35% | 0.63% | 0.60% | +12 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.04% | 0.02% | -0.01% | 0.02% | 0.00% | 0.00% | 0.03% | +3 bps | |
| Allowance / Loans | 0.89% | 1.04% | 0.95% | 0.91% | 0.94% | 0.95% | 0.92% | 0.90% | -2 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.5x | 1.4x | 1.9x | 3.0x | 2.7x | 1.5x | 1.5x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.40% | 7.45% | 7.88% | 7.69% | 7.89% | 7.98% | 8.19% | 7.82% | +13 bps | |
| Total Risk-Based Capital | 13.03% | 13.97% | 13.36% | 13.05% | 13.65% | 13.70% | 13.77% | 13.66% | +61 bps | |
| Equity / Assets | 7.28% | 7.92% | 7.39% | 7.21% | 7.73% | 7.72% | 7.61% | 7.61% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 115.13% | 112.88% | 118.86% | 125.93% | 126.74% | 130.48% | 133.88% | 126.18% | +26 bps | |
| Liquid Assets / Assets | 7.39% | 8.82% | 7.96% | 7.25% | 7.07% | 7.26% | 6.48% | 7.62% | +37 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 36.84% | 21.01% | 33.12% | n/a | n/a | |