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 (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 | 1.82% | 1.72% | 1.66% | 1.61% | 1.71% | 1.49% | 1.74% | 1.69% | +8 bps | |
| Return on Equity | 16.61% | 15.46% | 14.90% | 14.00% | 14.48% | 12.42% | 14.41% | 13.71% | -29 bps | |
| Net Interest Margin | 4.41% | 4.44% | 4.29% | 4.45% | 4.60% | 4.56% | 4.53% | 4.66% | +21 bps | |
| Efficiency Ratio | 53.86% | 54.21% | 55.21% | 56.80% | 54.50% | 54.98% | 53.73% | 56.29% | -51 bps | |
| Non-Interest Burden | 2.13% | 2.14% | 2.12% | 2.27% | 2.24% | 2.26% | 2.17% | 2.37% | +9 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 / Loans | 0.28% | 0.23% | 0.23% | 0.29% | 0.26% | 0.31% | 0.36% | 0.38% | +9 bps | |
| Net Charge-Offs / Loans | -0.13% | -0.01% | -0.10% | 0.03% | 0.08% | 0.05% | 0.01% | -0.08% | -11 bps | |
| Allowance / Loans | 2.12% | 2.11% | 2.09% | 2.06% | 2.06% | 2.14% | 2.16% | 2.18% | +12 bps | |
| Allowance Coverage of NPLs | 7.6x | 9.1x | 8.9x | 7.2x | 7.9x | 6.9x | 5.9x | 5.8x | -1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.54% | 12.65% | 12.68% | 12.94% | 13.13% | 13.10% | 13.29% | 13.42% | +48 bps | |
| Total Risk-Based Capital | 12.54% | 12.65% | 12.68% | 12.94% | 13.13% | 13.10% | 13.29% | 13.42% | +48 bps | |
| Equity / Assets | 11.33% | 10.96% | 11.36% | 11.58% | 12.02% | 11.95% | 12.22% | 12.37% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.62% | 72.66% | 74.63% | 76.10% | 78.56% | 76.15% | 77.49% | 79.34% | +324 bps | |
| Liquid Assets / Assets | 12.33% | 15.99% | 15.19% | 14.52% | 12.72% | 16.94% | 16.10% | 14.95% | +43 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 222% | 224% | 222% | n/a | n/a | |