BlastPoint's Banking Scorecard

SouthEast Bank

$1B-$10B Specialty: Commercial TN FDIC cert 57348

Designations: ✓ Community bank

Farragut, TN

15 branches across TN

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 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in TN.
Deposits +7.8% year over year ($3.2B on the books).
Delinquency rate 2.67%.
Return on assets 0.75%.
Efficiency ratio 71.34% vs a 59.73% peer average.
Loan-to-deposit ratio 96.08% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 28 in TN

View $1B-$10B leaderboard (TN) →

SouthEast Bank faces 7 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Delinquency Rate 1.80% above tier average
- Non-Interest-Bearing Deposit Share 14.44% below tier average
- Nonperforming Asset Ratio 1.65% above tier average
- Non-Interest Income / Assets 0.43% below tier average
- ROA 0.64% below tier average
- Net Interest Margin 0.50% below tier average
- Efficiency Ratio 11.62% above tier average

Get updates when SouthEast Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$3.6B +8.0% YoY +0.1% QoQ	+$790.2M	$2.8B -0.6% YoY	$2.9B +37.8% YoY	$6.3B +7.7% YoY	77%
Total Loans ?	$3.1B +8.0% YoY -1.3% QoQ	+$1.1B	$2.0B -0.3% YoY	$2.1B +37.6% YoY	$3.2B +9.4% YoY	83%
Total Deposits ?	$3.2B +7.8% YoY -0.1% QoQ	+$909.5M	$2.3B -0.5% YoY	$2.4B +35.4% YoY	$4.9B +7.3% YoY	80%
Return on Assets ?	0.75% +8.5% YoY +25.0% QoQ	-0.64%	1.39% +17.0% YoY	1.13% +12.0% YoY	1.30% +12.1% YoY	16%
Net Interest Margin ?	3.37% -1.3% YoY +1.3% QoQ	-0.50%	3.87% +6.2% YoY	3.99% +5.6% YoY	3.95% +4.9% YoY	29%
Efficiency Ratio ?	71.34% +1.7% YoY -1.7% QoQ	+11.62%	59.73% -12.6% YoY	65.40% -4.8% YoY	70.05% +2.5% YoY	19%
Delinquency Rate ?	2.67% -20.2% YoY -2.8% QoQ	+1.80%	0.87% +11.7% YoY	0.70% +6.5% YoY	0.98% +16.3% YoY	Bottom 5.7% in tier
Loan-to-Deposit Ratio ?	96.08% +0.2% YoY -1.2% QoQ	+11.04%	85.04% -0.1% YoY	81.19% +2.5% YoY	79.03% +2.3% YoY	23%
Non-Interest-Bearing Deposit Share ?	6.83% -4.5% YoY +0.4% QoQ	-14.44%	21.27% -1.5% YoY	18.80% -1.8% YoY	21.98% -0.6% YoY	Bottom 6.2% in tier
Nonperforming Asset Ratio ?	2.32% -20.0% YoY -4.2% QoQ	+1.65%	0.67% +11.7% YoY	0.58% +9.8% YoY	0.69% +15.8% YoY	Bottom 5.0% in tier
Tier 1 Capital Ratio ?	12.52% +1.8% YoY +1.8% QoQ	-2.32%	14.84% -0.4% YoY	14.06% -1.8% YoY	17.09% +0.8% YoY	41%
Non-Interest Income / Assets ?	0.09% -0.2% YoY +108.1% QoQ	-0.43%	0.53% +2.5% YoY	0.34% -6.5% YoY	0.66% +5.2% YoY	Bottom 9.3% in tier

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 (TN)	National Avg	Tier Percentile
Noninterest-Bearing	6.8% -0.3pp YoY 0.0pp QoQ	-14.5pp	21.4%	18.8%	22.2%	6%
Brokered Deposits	17.8% 0.0pp YoY -1.9pp QoQ	+8.3pp	9.5%	9.4%	8.5%	87%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
C&I	4.1% +0.4pp YoY 0.0pp QoQ	-9.9pp	14.0%	10.9%	12.5%	15%
CRE	30.7% +1.9pp YoY +0.7pp QoQ	-19.3pp	50.0%	42.4%	41.4%	12%
1-4 Family	10.5% +0.2pp YoY +0.6pp QoQ	-16.0pp	26.4%	39.8%	31.3%	18%
Consumer	54.7% -2.7pp YoY -1.3pp QoQ	+50.0pp	4.7%	4.5%	5.0%	98%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
CET1 Ratio	12.5% +0.2pp YoY +0.2pp QoQ	-3.1pp	15.6%	14.8%	19.7%	33%
Leverage Ratio	8.5% +0.2pp YoY 0.0pp QoQ	-2.8pp	11.3%	11.4%	12.6%	5%
Total Capital Ratio	13.3% +0.1pp YoY +0.1pp QoQ	-3.4pp	16.7%	15.9%	20.8%	27%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Full-Time Employees	316 +14 (+4.6%) YoY +12 (+3.9%) QoQ	+2	313	270	482	68%
Assets per Employee ($)	$11.3M +3.2% YoY -3.7% QoQ	+$858K	$10.5M	$7.1M	$8.8M	74%
Branch Count	15 0 YoY 0 QoQ	-5	20	17	18	50%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Past Due 90+ Days	2.6% -0.7pp YoY -0.1pp QoQ	+2.4pp	0.2%	0.2%	0.4%	98%
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.7pp	0.8%	0.7%	1.0%	8%
Allowance Coverage	0.22x +23.6% YoY -2.1% QoQ	-18.49x	18.71x	28.97x	20.23x	1%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	66%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
ROE	8.9% +0.7pp YoY +1.7pp QoQ	-3.7pp	12.6%	10.9%	11.6%	26%
Cost of Funds (YTD)	2.8% -0.2pp YoY 0.0pp QoQ	+0.8pp	1.9%	2.0%	1.7%	91%
Net Income ($, YTD)	$13.3M +20.5% YoY — QoQ	-$5.9M	$19.2M	$16.7M	$40.4M	54%

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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 885 peers in $1B-$10B

Top Strengths (3 metrics)

150

Total Loans

size

Value: $3.10B

Peer Median: $1.96B

#150 of 885 Top 16.8% in $1B-$10B

181

Total Deposits

size

Value: $3.23B

Peer Median: $2.32B

#181 of 885 Top 20.3% in $1B-$10B

205

Total Assets

size

Value: $3.58B

Peer Median: $2.79B

#205 of 885 Top 23.1% in $1B-$10B

Top Weaknesses (7 metrics)

842

Nonperforming Asset Ratio

credit_quality

Value: 2.32%

Peer Median: 0.67%

#842 of 885 Bottom 5.0% in $1B-$10B

833

Delinquency Rate

credit_quality

Value: 2.67%

Peer Median: 0.87%

#833 of 882 Bottom 5.7% in $1B-$10B

831

Non-Interest-Bearing Deposit Share

funding

Value: 6.83%

Peer Median: 21.27%

#831 of 885 Bottom 6.2% in $1B-$10B

804

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.53%

#804 of 885 Bottom 9.3% in $1B-$10B

743

Return on Assets

profitability

Value: 0.75%

Peer Median: 1.39%

#743 of 885 Bottom 16.2% in $1B-$10B

722

Efficiency Ratio

profitability

Value: 71.34%

Peer Median: 59.73%

#722 of 885 Bottom 18.5% in $1B-$10B

685

Loan-to-Deposit Ratio

liquidity

Value: 96.08%

Peer Median: 85.04%

#685 of 885 Bottom 22.7% in $1B-$10B