BlastPoint's Banking Scorecard

Southeast First National Bank

under $100M Specialty: Other GA FDIC cert 19819

Designations: ✓ Community bank ✓ CDFI-certified

Summerville, GA

3 branches across GA · FL

537 banks in the under $100M peer group nationally 13 in GA

Southeast First National Bank has 2 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 17.31% below tier average
+ Delinquency Rate 1.34% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.20% below tier average

Get updates when Southeast First National Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$73.4M +8.5% YoY +4.3% QoQ	+$11.1M	$62.3M -0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.0% YoY	62%
Total Loans ?	$20.3M +17.0% YoY -0.4% QoQ	-$14.0M	$34.3M -1.5% YoY	$550.6M +10.4% YoY	$3.2B +10.7% YoY	28%
Total Deposits ?	$64.6M +9.6% YoY +5.0% QoQ	+$12.7M	$51.8M -0.6% YoY	$689.3M +8.9% YoY	$4.8B +8.0% YoY	66%
Return on Assets ?	0.88% -74.8% YoY -26.1% QoQ	+0.03%	0.86% -3.6% YoY	1.50% +0.6% YoY	1.24% +13.1% YoY	46%
Net Interest Margin ?	3.66% +22.3% YoY +4.7% QoQ	-0.20%	3.87% +2.7% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	40%
Efficiency Ratio ?	70.32% +42.0% YoY -2.7% QoQ	-17.31%	87.63% +2.3% YoY	62.13% -1.5% YoY	66.84% -3.8% YoY	52%
Delinquency Rate ?	0.02% -28.3% QoQ	-1.34%	1.36% +33.7% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	70%
Loan-to-Deposit Ratio ?	31.44% +6.7% YoY -5.2% QoQ	-32.67%	64.11% -0.9% YoY	71.10% +2.8% YoY	76.69% +0.9% YoY	Top 10.4% in tier
Non-Interest-Bearing Deposit Share ?	24.78% -4.7% YoY +4.1% QoQ	+1.00%	23.79% +0.5% YoY	26.76% -3.7% YoY	22.01% -1.1% YoY	55%
Nonperforming Asset Ratio ?	0.01% -31.5% QoQ	-0.77%	0.77% +28.7% YoY	0.56% +24.4% YoY	0.66% +19.3% YoY	70%
Tier 1 Capital Ratio ?	11.63% -9.6% YoY -4.3% QoQ	-15.14%	26.77% +2.0% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	19%
Non-Interest Income / Assets ?	0.02% -95.6% YoY -96.1% QoQ	-0.65%	0.67% +1.6% YoY	0.21% +3.2% YoY	0.32% +4.0% YoY	19%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 537 peers in under $100M

Top Strengths (1 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 31.44%

Peer Median: 64.11%

#57 of 537 Top 10.4% in under $100M

Top Weaknesses (2 metrics)

438

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.67%

#438 of 537 Bottom 18.6% in under $100M

437

Tier 1 Capital Ratio

capital

Value: 11.63%

Peer Median: 26.77%

#437 of 537 Bottom 18.8% in under $100M