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Southeast First National Bank
Summerville, GA · FDIC Certificate #19819 · Chartered 05/2
Total assets
$74.91M
Total deposits
$65.98M
Total equity
$8.54M
Net loans
$18.59M
Branches (offices)
3
Net income (YTD)
$290.00K
Rank: #3,872 of 4,213 U.S. banks by assets · #117 of 123 in Georgia. Assets changed 9.5% and deposits 10.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.80% |
| Return on equity | 6.81% |
| Net interest margin (YTD) | 3.76% |
| Equity to assets | 11.40% |
| Tier 1 leverage ratio | 11.67% |
| Uninsured deposits (share of deposits) | 50.9% |
| Noncurrent loans (share of loans) | 0.06% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 28.2% |
| Real estate loans (share of loans) | 81.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $15.19M | 81.7% | |
| Commercial & industrial | $1.95M | 10.5% | |
| Consumer / individual | $1.53M | 8.2% | |
| Construction & development | $598.00K | 3.2% | |
| Agricultural | $53.00K | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $67.14M | $59.90M | $74.00K | $7.12M |
| Jun 2023 | $59.51M | $51.84M | $440.00K | $7.43M |
| Jun 2024 | $60.89M | $53.13M | $29.00K | $7.40M |
| Jun 2025 | $68.39M | $59.54M | $657.00K | $8.43M |
| Jun 2026 | $74.91M | $65.98M | $290.00K | $8.54M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $65.85M | 2 |
| Florida | $125.00K | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $65.98M.
Similar-sized banks
First Security Bank - West ($75.18M) · State Bank ($74.91M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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