Southeast Bank
Farragut, TN · Cert 57348 · Peer group: banks $1B-$10B in assets (n=322-328) · Education Loan Finance Inc.
State charter, Fed member · FED · 15 branches
Q2 2026
$3.6BAssets
$3.1BLoans
$3.2BDeposits
$307.0MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 41% of banks $1B-$10B in assets (rank 195 of 328).
- Widest gap: nonperforming loans / loans trails 93% of banks $1B-$10B in assets (rank 301 of 322).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.74%
Rank 271 of 328
Net Interest Margin
3.15%
Rank 228 of 328
Efficiency Ratio
71.37%
Rank 272 of 328
Equity / Assets
8.57%
Rank 284 of 328
Non-interest income vs. expense
Unfavorable gap of $78.6M · efficiency ratio beats 17% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.74% | 0.91% | 1.22% | 1.52% | Beats 17% | 271 / 328 | | |
| Return on Equity | 8.68% | 8.43% | 11.45% | 14.43% | Beats 27% | 240 / 328 | | |
| Net Interest Margin | 3.15% | 3.03% | 3.45% | 3.83% | Beats 30% | 228 / 328 | | |
| Efficiency Ratio | 71.37% | 51.61% | 59.56% | 67.53% | Beats 17% | 272 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.66% | 0.24% | 0.51% | 1.03% | Beats 7% | 301 / 322 | | |
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.03% | 0.10% | Beats 39% | 198 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 12.52% | 11.75% | 13.15% | 15.47% | Beats 41% | 195 / 328 | | |
| Total Risk-Based Capital Ratio | 13.30% | 12.63% | 14.15% | 16.46% | Beats 37% | 206 / 328 | | |
| Equity / Assets | 8.57% | 9.15% | 10.33% | 12.01% | Beats 13% | 284 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 96.64% | 76.63% | 87.92% | 95.36% | 78th pctl | 71 / 323 | | |
| Loans / Assets | 87.07% | 65.18% | 74.15% | 79.98% | 95th pctl | 16 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |