| Metric | Southeastern Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +4.9% | -2.3 pts |
| Deposit growth (YoY) | +2.0% | +4.3% | -2.3 pts |
| Loan growth (YoY) | +6.2% | +5.3% | +0.9 pts |
| ROA | 1.71% | 1.28% | +0.4 pts |
| ROE | 14.1% | 12.4% | +1.6 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $624.9M | $544.1M | $422.3M | $77.3M | $5.3M | 1.71% | 4.90% | 0.27% |
| Q1 2026 | $620.8M | $541.4M | $410.5M | $75.9M | $2.7M | 1.74% | 4.82% | 0.25% |
| Q4 2025 | $623.4M | $545.5M | $406.5M | $74.5M | $9.8M | 1.61% | 4.78% | 0.21% |
| Q3 2025 | $604.0M | $528.0M | $406.3M | $72.6M | $7.5M | 1.66% | 4.77% | 0.19% |
| Q2 2025 | $609.1M | $533.4M | $397.6M | $70.5M | $4.9M | 1.63% | 4.69% | 0.20% |
| Q1 2025 | $605.3M | $532.3M | $388.9M | $68.8M | $2.5M | 1.66% | 4.63% | 0.16% |
| Q4 2024 | $602.0M | $531.4M | $377.9M | $66.0M | $10.6M | 1.76% | 4.71% | 0.16% |
| Q3 2024 | $592.5M | $516.6M | $377.3M | $67.2M | $8.0M | 1.77% | 4.69% | 0.19% |
Loan mix (Q2 2026): real estate $379.7M · commercial $31.6M · consumer $10.1M · securities $105.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Southeastern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.71% | 1.28% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 14.1% | 12.4% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.90% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.0% | 61.2% | 32th |
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 | Southeastern 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 | Southeastern 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 | Southeastern 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 | Southeastern 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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