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Southeastern Bank

Darien, GA · Cert 5685 · Southeastern Banking Corp.

State charter, non-member · FDIC · 11 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

52

Q2 2024Q2 2026peer median (50)

Asset Quality

47

Q2 2024Q2 2026peer median (50)

Profitability

84

Q2 2024Q2 2026peer median (50)

Liquidity

95

Q2 2024Q2 2026peer median

Efficiency

81

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Southeastern Bank

Darien, GA · Cert 5685 · Southeastern Banking Corp.

State charter, non-member · FDIC · 11 branches

Q2 2026

$624.9MAssets
$431.7MLoans
$544.1MDeposits
$77.3MEquity
Loan mix
90%RE $364.9M8%C&I $30.6M3%Consumer $12.0MQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $389.1M28%Noninterest $155.0MQ3 2024Q2 2026

Market Position · Brunswick-St. Simons, GA · 2026 SOD (annual) · 9.0% share · #4 of 14 inst. · $0.3B of $3.4B

87.7% McIntosh
79.9% Brantley
4.4% Nassau
2.4% Glynn

Executive Summary

  • Earnings: ROA of 1.71%, up 8 bps year over year; NIM at 4.58%.
  • Asset quality: problem loans at 0.38% of loans (+9 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 13.42%, up 48 bps from a year ago.
  • Funding: loans stand at 79.34% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.71%+8 bps YoY

Net Interest Margin (YTD, annualized)

4.58%+19 bps YoY

Efficiency Ratio (YTD, annualized)

55.03%-99 bps YoY

Tier 1 Leverage Ratio

13.42%+48 bps YoY

NIM

4.94%Q2 ’245.15%Q2 ’255.29%Q2 ’26-1%+4%

Non-interest income vs. expense

2.69%Q2 ’242.78%Q2 ’252.84%Q2 ’26+5%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.77%1.76%1.66%1.63%1.66%1.61%1.74%1.71%+8 bps
Return on Equity16.94%16.63%14.90%14.46%14.47%13.94%14.41%14.06%-40 bps
Net Interest Margin4.43%4.41%4.29%4.38%4.45%4.44%4.53%4.58%+19 bps
Efficiency Ratio53.46%53.65%55.21%56.02%55.50%55.37%53.73%55.03%-99 bps
Non-Interest Burden2.10%2.10%2.12%2.21%2.22%2.21%2.17%2.26%+6 bps
Growth
Asset Growth (YoY)-0.01%-2.28%0.21%2.34%1.94%3.56%2.57%2.60%+26 bps
Loan Growth (YoY)13.96%10.83%10.40%7.16%7.61%7.59%5.62%6.34%-82 bps
Deposit Growth (YoY)-3.48%-3.74%-1.30%4.48%2.22%2.66%1.72%2.00%-247 bps
Asset Quality
Nonperforming Loans / Loans0.28%0.23%0.23%0.29%0.26%0.31%0.36%0.38%+9 bps
Net Charge-Offs / Loans-0.03%-0.02%-0.10%-0.03%0.01%0.02%0.01%-0.04%0 bps
Allowance / Loans2.12%2.11%2.09%2.06%2.06%2.14%2.16%2.18%+12 bps
Allowance Coverage of NPLs7.6x9.1x8.9x7.2x7.9x6.9x5.9x5.8x-1.4x
Capital
Tier 1 Leverage Ratio12.54%12.65%12.68%12.94%13.13%13.10%13.29%13.42%+48 bps
Total Risk-Based Capital12.54%12.65%12.68%12.94%13.13%13.10%13.29%13.42%+48 bps
Equity / Assets11.33%10.96%11.36%11.58%12.02%11.95%12.22%12.37%+79 bps
Liquidity & Funding
Loans / Deposits74.62%72.66%74.63%76.10%78.56%76.15%77.49%79.34%+324 bps
Liquid Assets / Assets12.33%15.99%15.19%14.52%12.72%16.94%16.10%14.95%+43 bps
CRE / Total Capitaln/an/an/an/a222%224%222%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Southeastern Bank

Darien, GA · Cert 5685 · Peer group: banks under $1B in assets (n=581-629) · Southeastern Banking Corp.

State charter, non-member · FDIC · 11 branches

Q2 2026

$624.9MAssets
$431.7MLoans
$544.1MDeposits
$77.3MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 91% of banks under $1B in assets (rank 59 of 629).
  • Widest gap: net charge-offs / loans trails 60% of banks under $1B in assets (rank 353 of 581).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.71%

Rank 110 of 629

Net Interest Margin

4.58%

Rank 59 of 629

Efficiency Ratio

55.03%

Rank 121 of 629

Equity / Assets

12.37%

Rank 208 of 629

Non-interest income vs. expense

$3.6M$17.7MINCOMEEXPENSE
Unfavorable gap of $14.1M · efficiency ratio beats 81% of banks under $1B in assets
Bank 55.03%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.71%0.60%1.01%1.45%Beats 83%110 / 629
Return on Equity13.80%5.38%9.30%13.28%Beats 78%139 / 629
Net Interest Margin4.58%3.03%3.54%4.05%Beats 91%59 / 629
Efficiency Ratio55.03%58.35%67.79%79.08%Beats 81%121 / 629
Asset Quality
Nonperforming Loans / Loans0.38%0.09%0.46%1.20%Beats 54%268 / 581
Net Charge-Offs / Loans0.02%n/a0.01%0.06%Beats 40%353 / 581
Capital
Tier 1 Capital Ratio13.42%11.24%13.84%18.77%Beats 47%335 / 629
Total Risk-Based Capital Ratio13.42%11.58%14.43%19.66%Beats 42%364 / 629
Equity / Assets12.37%9.09%10.65%13.80%Beats 67%208 / 629
Liquidity & Funding
Loans / Deposits79.34%67.24%80.90%93.48%48th pctl308 / 594
Loans / Assets69.08%53.31%67.71%78.15%53rd pctl295 / 629
Brokered Deposits / Depositsn/aNot reported for this institution