BlastPoint's Banking Scorecard

Southeastern Bank

$100M-$1B Specialty: Commercial GA FDIC cert 5685

Darien, GA

11 branches across GA · FL

2664 banks in the $100M-$1B peer group nationally 99 in GA

Southeastern Bank has 4 strengths but faces 2 concerns

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

+ ROA 0.47% above tier average
+ Net Interest Margin 0.89% above tier average
+ Efficiency Ratio 11.56% below tier average
+ Delinquency Rate 0.52% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 22.0% in tier
- Credit Quality Pressure: Bottom 28.5% in tier

Get updates when Southeastern 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 ?	$620.8M +2.6% YoY -0.4% QoQ	+$234.7M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	82%
Total Loans ?	$410.5M +5.5% YoY +1.0% QoQ	+$154.7M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	81%
Total Deposits ?	$541.4M +1.7% YoY -0.7% QoQ	+$213.5M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	83%
Return on Assets ?	1.74% +4.8% YoY +8.0% QoQ	+0.47%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	79%
Net Interest Margin ?	4.82% +4.1% YoY +0.7% QoQ	+0.89%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	Top 10.6% in tier
Efficiency Ratio ?	53.73% -2.7% YoY -3.0% QoQ	-11.56%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	77%
Delinquency Rate ?	0.37% +55.1% YoY +17.2% QoQ	-0.52%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	52%
Loan-to-Deposit Ratio ?	75.81% +3.8% YoY +1.7% QoQ	-0.83%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	56%
Non-Interest-Bearing Deposit Share ?	28.63% -4.8% YoY +4.2% QoQ	+6.61%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	78%
Nonperforming Asset Ratio ?	0.25% +57.1% YoY +18.3% QoQ	-0.39%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	55%
Tier 1 Capital Ratio ?	13.29% +4.8% YoY +1.4% QoQ	-2.55%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	50%
Non-Interest Income / Assets ?	0.14% +2.4% YoY -74.7% QoQ	-0.14%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	71%

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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 (2)

Credit Risk Growth

risk

#215 of 973 • Bottom 22.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#374 of 1308 • Bottom 28.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.37%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (7 metrics)

284

Net Interest Margin

profitability

Value: 4.82%

Peer Median: 3.93%

#284 of 2664 Top 10.6% in $100M-$1B

453

Total Deposits

size

Value: $541.43M

Peer Median: $327.97M

#453 of 2664 Top 17.0% in $100M-$1B

480

Total Assets

size

Value: $620.81M

Peer Median: $386.08M

#480 of 2664 Top 18.0% in $100M-$1B

518

Total Loans

size

Value: $410.46M

Peer Median: $255.72M

#518 of 2664 Top 19.4% in $100M-$1B

556

Return on Assets

profitability

Value: 1.74%

Peer Median: 1.27%

#556 of 2664 Top 20.8% in $100M-$1B

578

Non-Interest-Bearing Deposit Share

funding

Value: 28.63%

Peer Median: 22.02%

#578 of 2664 Top 21.7% in $100M-$1B

618

Efficiency Ratio

profitability

Value: 53.73%

Peer Median: 65.29%

#618 of 2664 Top 23.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available