PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Southeast Financial

Franklin, TN · Charter 68599

NCUA · 12 branches

Q2 2026

$466.8MAssets
$372.3MLoans
$429.1MShares
$37.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.29%, up 36 bps year over year; NIM at 4.50%.
  • Asset quality: problem loans at 0.85% of loans (+16 bps YoY).
  • Capital: net worth / assets of 7.98%, up 14 bps from a year ago.
  • Funding: loans stand at 86.75% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.29%+36 bps YoY

Net Interest Margin (quarter, annualized)

4.50%+10 bps YoY

Efficiency Ratio (quarter, annualized)

88.43%-411 bps YoY

Net Worth / Assets

7.98%+14 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.26%0.16%-0.23%-0.07%0.03%0.01%0.07%0.29%+36 bps
Return on Equity3.26%1.96%-2.99%-0.89%0.43%0.10%0.92%3.58%+447 bps
Net Interest Margin4.35%4.39%4.31%4.40%4.44%4.54%4.41%4.50%+10 bps
Efficiency Ratio87.57%87.34%98.21%92.54%91.77%91.09%92.40%88.43%-411 bps
Growth
Asset Growth (YoY)-4.65%-3.54%-1.36%-0.41%1.94%1.40%1.84%0.54%+96 bps
Loan Growth (YoY)-5.96%-5.99%-4.17%-0.38%2.15%2.50%2.32%-2.76%-238 bps
Share Growth (YoY)-4.88%-3.90%-1.73%-1.12%1.08%2.54%3.53%2.28%+340 bps
Asset Quality
Delinquent Loans / Loans0.48%0.56%0.46%0.69%0.95%0.65%0.77%0.85%+16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.02%8.01%7.81%7.85%7.84%7.90%7.74%7.98%+14 bps
Net Worth / Assets8.02%8.01%7.81%7.85%7.84%7.90%7.74%7.98%+14 bps
Liquidity & Funding
Loans / Shares90.63%89.47%87.59%91.24%91.59%89.43%86.57%86.75%-449 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps