BlastPoint's Banking Scorecard
Southeast First National Bank
Designations: ✓ Community bank ✓ CDFI-certified
Summerville, GA
3 branches across GA · FL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 13 in GA.
- Deposits +10.8% year over year ($66.0M on the books).
- Delinquency rate 0.06%.
- Return on assets 0.80%.
- Efficiency ratio 73.08% vs a 119.40% peer average.
- Loan-to-deposit ratio 28.17% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Southeast First National Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 46.32% below tier average
- + Delinquency Rate 1.42% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.20% below tier average
- - Net Interest Margin 0.15% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$74.9M
+9.5% YoY
+2.1% QoQ
|
+$12.5M |
$62.4M
-0.0% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
64% |
| Total Loans ? |
$18.6M
-1.8% YoY
-8.4% QoQ
|
-$16.3M |
$34.9M
-0.6% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
25% |
| Total Deposits ? |
$66.0M
+10.8% YoY
+2.2% QoQ
|
+$14.4M |
$51.6M
-0.2% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
67% |
| Return on Assets ? |
0.80%
-60.3% YoY
-10.1% QoQ
|
-0.20% |
1.00%
+3.5% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
40% |
| Net Interest Margin ? |
3.76%
+13.1% YoY
+2.6% QoQ
|
-0.15% |
3.91%
+2.3% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
43% |
| Efficiency Ratio ? |
73.08%
+16.2% YoY
+3.9% QoQ
|
-46.32% |
119.40%
+49.6% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
45% |
| Delinquency Rate ? |
0.06%
+140.3% QoQ
|
-1.42% |
1.48%
+31.8% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
28.17%
-11.4% YoY
-10.4% QoQ
|
-46.04% |
74.21%
+12.6% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
Top 7.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.01%
-6.9% YoY
-7.1% QoQ
|
-0.48% |
23.49%
+0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.01%
+115.6% QoQ
|
-0.82% |
0.84%
+23.0% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
11.67%
-5.5% YoY
+0.3% QoQ
|
-15.46% |
27.13%
+3.0% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.05%
-91.5% YoY
+101.4% QoQ
|
-1.33% |
1.38%
+6.3% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
18% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
23.0%
-1.7pp YoY -1.8pp QoQ |
-1.6pp | 24.6% | 26.2% | 22.2% | 46% |
| Brokered Deposits |
0.0%
-1.7pp YoY -1.5pp QoQ |
-9.8pp | 9.8% | 7.5% | 8.5% | 3% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.5%
+6.0pp YoY +5.3pp QoQ |
-2.9pp | 13.4% | 9.7% | 12.5% | 52% |
| CRE | n/a | n/a | 25.2% | 48.9% | 41.4% | n/a |
| 1-4 Family |
45.8%
-4.2pp YoY -0.1pp QoQ |
+10.8pp | 35.0% | 31.7% | 31.3% | 68% |
| Consumer |
8.2%
-2.4pp YoY -1.0pp QoQ |
+0.5pp | 7.7% | 4.8% | 5.0% | 70% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 20.9% | 19.7% | n/a |
| Leverage Ratio |
11.7%
-0.7pp YoY 0.0pp QoQ |
-6.0pp | 17.7% | 14.0% | 12.6% | 36% |
| Total Capital Ratio | n/a | n/a | 39.7% | 22.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
18
+2 (+12.5%) YoY +1 (+5.9%) QoQ |
+6 | 12 | 98 | 482 | 84% |
| Assets per Employee ($) |
$4.2M
-2.6% YoY -3.6% QoQ |
-$2.0M | $6.2M | $7.5M | $8.8M | 23% |
| Branch Count |
3
0 YoY 0 QoQ |
+1 | 1 | 6 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.1%
0.0pp QoQ |
-1.7pp | 1.7% | 0.8% | 1.0% | 7% |
| Allowance Coverage |
30.64x
-54.0% QoQ |
+24.23x | 6.41x | 38.10x | 20.23x | 96% |
| Net Charge-off Rate (YTD) |
0.1%
+3.3pp YoY -0.1pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.2% | 66% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.8%
-9.3pp YoY -0.7pp QoQ |
+0.4pp | 6.4% | 13.6% | 11.6% | 42% |
| Cost of Funds (YTD) |
0.9%
-0.3pp YoY 0.0pp QoQ |
-0.6pp | 1.4% | 1.6% | 1.7% | 19% |
| Net Income ($, YTD) |
$290,000
-55.9% YoY — QoQ |
-$28K | $317,817 | $6.6M | $40.4M | 50% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.