SouthEast Bank
SouthEast Bank reported total assets of $3.6 bn at Q2 2026, up 8.0% on a year earlier, the 360th largest of 497 banks in our US coverage. The CET1 capital ratio at SouthEast Bank was 12.52%, and the uninsured share of SouthEast Bank was 23.40%. Source: FDIC Call Reports.
Key takeaways
- On net interest margin, SouthEast Bank slipped from 254th to 326th among 500 US banks between and (1 = highest; FDIC Call Reports).
- SouthEast Bank reports one of the lowest tier 1 leverage ratio readings among banks of $1 bn to $10 bn: 8.51% at , where the median of the 339 banks is 10.45% (FDIC Call Reports).
- At 2.66%, the noncurrent loans to total loans of SouthEast Bank sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 0.58% (FDIC Call Reports).
What sets SouthEast Bank apart
How large is SouthEast Bank?
The balance sheet of SouthEast Bank at : assets $3.6 bn, deposits $3.2 bn, net loans $3.1 bn (loans equal to 96.08% of deposits). Securities make up 0.0% of total assets at SouthEast Bank. Since , when SouthEast Bank held $924.9 mn, its assets grew 287.4%. In the year to , deposits at SouthEast Bank rose 7.8% while its total assets rose 8.0%. At , SouthEast Bank employed 316 full-time equivalent staff across 15 offices, about $11.3 mn of assets per employee and $215.2 mn of deposits per office.
How much funding at SouthEast Bank is uninsured?
At SouthEast Bank, uninsured deposits (above the FDIC limit) made up 23.40% of domestic deposits at (+1.90 pp on a year earlier); SouthEast Bank ranks 385th of 500 on this measure. In dollars, SouthEast Bank estimated $755.5 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.2 bn | +7.8% | 337th of 499 |
| Net loans and leases | $3.1 bn | +8.0% | 305th of 500 |
| Loan-to-deposit ratio | 96.08% | +0.20 pp | 93rd of 500 |
| Tier 1 leverage ratio | 8.51% | +0.24 pp | 455th of 500 |
| Total risk-based capital ratio | 13.30% | +0.15 pp | 324th of 448 |
| Net interest margin | 3.37% | -0.04 pp | 326th of 500 |
| Return on assets (ROA) | 0.75% | +0.06 pp | 440th of 500 |
| Efficiency ratio | 71.34% | +1.21 pp | 442nd of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $14,000 | Widened by $3,000 | |
| Noncurrent loans to total loans | 2.66% | -0.67 pp | 475th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.10% | +0.01 pp | 261st of 500 (1 = lowest) |
US rank of SouthEast Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
SouthEast Bank: assets, deposits and loans
- Total assets $3.6bn
- Deposits $3.2bn
- Net loans $3.1bn
Capital and securities
The CET1 ratio of SouthEast Bank stood at 12.52% in , +0.22 pp year on year. Low and high at SouthEast Bank since : 12.00% () to 17.40% (). Equity capital of SouthEast Bank at : $307.0 mn, or 8.6% of total assets. SouthEast Bank also reported a total capital ratio of 13.30% for , and a tier 1 leverage ratio of 8.51%.
The available-for-sale portfolio of SouthEast Bank showed an unrealized loss of $14,000 at ; the loss widened by $3,000 over the year.
SouthEast Bank: capital ratios
- Total capital 13%
- CET1 13%
- Tier 1 leverage 8.5%
SouthEast Bank: unrealized securities gains and losses
- Available for sale -$14,000
- Held to maturity $0
Profitability and loan quality
For the year to , SouthEast Bank earned a return on equity of 8.91%; return on assets: 0.75%. Net interest margin at SouthEast Bank: 3.37%, -0.04 pp in a year. SouthEast Bank net income: $13.3 mn, up 20.5% year on year. The efficiency ratio of SouthEast Bank was 71.34%: about 71 cents cost per revenue dollar, against 56 cents at the median peer.
At , noncurrent loans were 2.66% of total loans at SouthEast Bank; net charge-offs: 0.10% of average loans. Gross loans and leases at SouthEast Bank: $3.1 bn, up 8.0% in a year.
SouthEast Bank: profitability
- Return on equity 8.9%
- Net interest margin 3.4%
- Return on assets 0.8%
Peer group of SouthEast Bank
The peer group of SouthEast Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of SouthEast Bank (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Tennessee. Against them, SouthEast Bank shows CET1 ratio 12.52% against a peer median of 14.27%, return on equity 8.91% against a peer median of 13.87% and uninsured deposit share 23.40% against a peer median of 31.88%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| First Community Bank | State member bank | VA | $3.6 bn | 15.32% | 14.59% | 21.28% | |
| Home Bank | National bank | LA | $3.6 bn | 14.41% | 10.17% | 31.16% | |
| Manasquan Bank | State-chartered stock savings bank | NJ | $3.6 bn | 11.00% | 7.18% | 32.61% | |
| SouthEast Bank | State member bank | TN | $3.6 bn | 12.52% | 8.91% | 23.40% | |
| Old Plank Trail Community Bank | National bank | IL | $3.5 bn | 10.81% | 13.91% | 26.71% | |
| MVB Bank, Inc | State nonmember bank | WV | $3.5 bn | not reported | 14.24% | 39.29% | |
| Bank of Ann Arbor | State nonmember bank | MI | $3.5 bn | 14.27% | 13.82% | 43.99% | |
. FDIC Call Reports.
Last eight quarters
Two years at SouthEast Bank, to : assets +25.3%, deposits +26.8%, equity +18.8%. Staff 289 to 316.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.9 bn | $3.0 bn | $3.3 bn | $3.3 bn | $3.4 bn | $3.5 bn | $3.6 bn | $3.6 bn |
| Total deposits | $2.5 bn | $2.7 bn | $3.0 bn | $3.0 bn | $3.1 bn | $3.1 bn | $3.2 bn | $3.2 bn |
| Bank equity capital | $258.5 mn | $263.8 mn | $268.8 mn | $274.9 mn | $280.7 mn | $292.4 mn | $298.4 mn | $307.0 mn |
| CET1 ratio | 13.96% | 13.93% | 12.96% | 12.30% | 12.00% | 12.28% | 12.31% | 12.52% |
| Return on equity (ROE) | 11.63% | 10.75% | 7.53% | 8.22% | 8.27% | 8.17% | 7.19% | 8.91% |
| Uninsured share of domestic deposits | 22.20% | 21.89% | 21.10% | 21.51% | 22.45% | 22.05% | 21.91% | 23.40% |
| Full-time equivalent employees | 289 | 300 | 295 | 302 | 305 | 312 | 304 | 316 |
| Number of offices | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at SouthEast Bank
- Total assets at SouthEast Bank changed by +32.9% in the quarter to 2019-03-31, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of SouthEast Bank?
SouthEast Bank reported $3.6 bn at in its Call Report. That makes SouthEast Bank the 360th largest of 497 banks in our US coverage.
Is SouthEast Bank the same as its holding company?
No. This page covers SouthEast Bank, FDIC certificate 57348; EDUCATION LOAN FINANCE INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is SouthEast Bank profitable?
SouthEast Bank reported net income of $13.3 mn for the year to ; annualized return on equity: 8.91%. So yes: SouthEast Bank made a profit over these months.
When is data for SouthEast Bank next updated?
Figures from SouthEast Bank for are due after .
Where can I check the figures for SouthEast Bank?
In the FDIC BankFind Suite record for certificate 57348, and in the Call Reports of SouthEast Bank (RSSD ID 3110197) at the FFIEC Central Data Repository.