Darien, GA · Cert 5685 · Southeastern Banking Corp.
State charter, non-member · FDIC · 11 branches
Q2 2026
Market Position · Brunswick-St. Simons, GA · 2026 SOD (annual) · 9.0% share · #4 of 14 inst. · $0.3B of $3.4B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.63% | 1.66% | 1.61% | 1.74% | 1.71% | +8 bps | |
| Return on Equity | 14.46% | 14.47% | 13.94% | 14.41% | 14.06% | -40 bps | |
| Net Interest Margin | 4.38% | 4.45% | 4.44% | 4.53% | 4.58% | +19 bps | |
| Efficiency Ratio | 56.02% | 55.50% | 55.37% | 53.73% | 55.03% | -99 bps | |
| Non-Interest Burden | 2.21% | 2.22% | 2.21% | 2.17% | 2.26% | +6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.34% | 1.94% | 3.56% | 2.57% | 2.60% | +26 bps | |
| Loan Growth (YoY) | 7.16% | 7.61% | 7.59% | 5.62% | 6.34% | -82 bps | |
| Deposit Growth (YoY) | 4.48% | 2.22% | 2.66% | 1.72% | 2.00% | -247 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.29% | 0.26% | 0.31% | 0.36% | 0.38% | +9 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.01% | 0.02% | 0.01% | -0.04% | 0 bps | |
| Allowance / Loans | 2.06% | 2.06% | 2.14% | 2.16% | 2.18% | +12 bps | |
| Allowance Coverage of NPLs | 7.2x | 7.9x | 6.9x | 5.9x | 5.8x | -1.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.94% | 13.13% | 13.10% | 13.29% | 13.42% | +48 bps | |
| Total Risk-Based Capital | 12.94% | 13.13% | 13.10% | 13.29% | 13.42% | +48 bps | |
| Equity / Assets | 11.58% | 12.02% | 11.95% | 12.22% | 12.37% | +79 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.10% | 78.56% | 76.15% | 77.49% | 79.34% | +324 bps | |
| Liquid Assets / Assets | 14.52% | 12.72% | 16.94% | 16.10% | 14.95% | +43 bps | |
| CRE / Total Capital | n/a | 222% | 224% | 222% | n/a | n/a | |