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
Unfavorable gap of $14.1M · efficiency ratio beats 81% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.71% | 0.60% | 1.01% | 1.45% | Beats 83% | 110 / 629 | |
| Return on Equity | 13.80% | 5.38% | 9.30% | 13.28% | Beats 78% | 139 / 629 | |
| Net Interest Margin | 4.58% | 3.03% | 3.54% | 4.05% | Beats 91% | 59 / 629 | |
| Efficiency Ratio | 55.03% | 58.35% | 67.79% | 79.08% | Beats 81% | 121 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.38% | 0.09% | 0.46% | 1.20% | Beats 54% | 268 / 581 | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 40% | 353 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 13.42% | 11.24% | 13.84% | 18.77% | Beats 47% | 335 / 629 | |
| Total Risk-Based Capital Ratio | 13.42% | 11.58% | 14.43% | 19.66% | Beats 42% | 364 / 629 | |
| Equity / Assets | 12.37% | 9.09% | 10.65% | 13.80% | Beats 67% | 208 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 79.34% | 67.24% | 80.90% | 93.48% | 48th pctl | 308 / 594 | |
| Loans / Assets | 69.08% | 53.31% | 67.71% | 78.15% | 53rd pctl | 295 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |