| Metric | First Southeast Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +4.4% | +3.8 pts |
| Deposit growth (YoY) | +8.8% | +4.0% | +4.9 pts |
| Loan growth (YoY) | +10.3% | +5.6% | +4.7 pts |
| ROA | 1.60% | 1.24% | +0.4 pts |
| ROE | 21.0% | 11.9% | +9.1 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $158.3M | $116.0M | $136.0M | $12.0M | $1.2M | 1.60% | 4.12% | 0.12% |
| Q1 2026 | $153.7M | $111.6M | $132.4M | $12.0M | $585K | 1.52% | 4.04% | 0.00% |
| Q4 2025 | $155.1M | $117.2M | $131.8M | $11.6M | $1.9M | 1.29% | 3.92% | 0.00% |
| Q3 2025 | $149.8M | $110.7M | $127.2M | $11.2M | $1.3M | 1.22% | 3.81% | 0.03% |
| Q2 2025 | $146.3M | $106.6M | $123.4M | $10.7M | $812K | 1.15% | 3.77% | 0.04% |
| Q1 2025 | $140.3M | $110.2M | $117.5M | $10.1M | $357K | 1.03% | 3.67% | 0.00% |
| Q4 2024 | $138.3M | $103.4M | $114.6M | $8.1M | $1.2M | 0.94% | 3.72% | 0.00% |
| Q3 2024 | $131.9M | $110.3M | $108.3M | $8.3M | $930K | 0.96% | 3.64% | 0.23% |
Loan mix (Q2 2026): real estate $82.7M · commercial $16.3M · consumer $4.9M · securities $14.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Southeast Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 1.24% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 21.0% | 11.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.2% | 62.9% | 36th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | First Southeast Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | First Southeast Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | First Southeast Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | First Southeast Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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