| Metric | SouthEast Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +5.5% | +2.5 pts |
| Deposit growth (YoY) | +7.8% | +5.1% | +2.7 pts |
| Loan growth (YoY) | +8.0% | +5.9% | +2.1 pts |
| ROA | 0.75% | 1.26% | -0.5 pts |
| ROE | 8.9% | 12.2% | -3.3 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.58B | $3.23B | $3.10B | $307.0M | $13.3M | 0.75% | 3.37% | 2.32% |
| Q1 2026 | $3.58B | $3.23B | $3.14B | $298.4M | $5.3M | 0.60% | 3.33% | 2.43% |
| Q4 2025 | $3.48B | $3.14B | $3.00B | $292.4M | $22.6M | 0.68% | 3.47% | 2.99% |
| Q3 2025 | $3.44B | $3.11B | $3.00B | $280.7M | $16.9M | 0.69% | 3.47% | 2.91% |
| Q2 2025 | $3.32B | $2.99B | $2.87B | $274.9M | $11.1M | 0.69% | 3.42% | 2.90% |
| Q1 2025 | $3.29B | $2.98B | $2.81B | $268.8M | $5.0M | 0.64% | 3.28% | 3.15% |
| Q4 2024 | $2.98B | $2.66B | $2.46B | $263.8M | $27.0M | 0.93% | 3.86% | 1.93% |
| Q3 2024 | $2.86B | $2.55B | $2.39B | $258.5M | $21.7M | 1.01% | 3.91% | 2.26% |
Loan mix (Q2 2026): real estate $1.29B · commercial $128.2M · consumer $1.70B · securities $811K
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | SouthEast Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 1.26% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 12.2% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.3% | 59.0% | 82th |
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 | 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 | 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 | 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 | SouthEast Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.