BlastPoint's Banking Scorecard
SouthEast Bank
Designations: ✓ Community bank
Farragut, TN
15 branches across TN
SouthEast Bank faces 7 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.86% above tier average
- - Non-Interest-Bearing Deposit Share 14.48% below tier average
- - Nonperforming Asset Ratio 1.75% above tier average
- - Non-Interest Income / Assets 0.21% below tier average
- - ROA 0.76% below tier average
- - Net Interest Margin 0.49% below tier average
- - Efficiency Ratio 11.50% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.6B
+8.6% YoY
+2.7% QoQ
|
+$760.5M |
$2.8B
-0.1% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.0% YoY
|
77% |
| Total Loans ? |
$3.1B
+11.6% YoY
+4.6% QoQ
|
+$1.2B |
$2.0B
+0.6% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.7% YoY
|
83% |
| Total Deposits ? |
$3.2B
+8.6% YoY
+2.9% QoQ
|
+$887.2M |
$2.3B
-0.3% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.0% YoY
|
79% |
| Return on Assets ? |
0.60%
-6.0% YoY
-12.0% QoQ
|
-0.76% |
1.37%
+19.6% YoY
|
1.12%
+20.1% YoY
|
1.24%
+13.1% YoY
|
Bottom 12.5% in tier |
| Net Interest Margin ? |
3.33%
+1.6% YoY
-4.0% QoQ
|
-0.49% |
3.82%
+6.9% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
31% |
| Efficiency Ratio ? |
72.55%
-2.0% YoY
+1.6% QoQ
|
+11.50% |
61.05%
-4.6% YoY
|
66.13%
-5.5% YoY
|
66.84%
-3.8% YoY
|
19% |
| Delinquency Rate ? |
2.75%
-25.3% YoY
-20.3% QoQ
|
+1.86% |
0.89%
+14.1% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 5.7% in tier |
| Loan-to-Deposit Ratio ? |
97.20%
+2.8% YoY
+1.6% QoQ
|
+13.00% |
84.20%
+0.3% YoY
|
79.84%
+2.1% YoY
|
76.69%
+0.9% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
6.80%
-21.1% YoY
-6.1% QoQ
|
-14.48% |
21.28%
-2.5% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.1% YoY
|
Bottom 6.6% in tier |
| Nonperforming Asset Ratio ? |
2.43%
-22.9% YoY
-18.7% QoQ
|
+1.75% |
0.67%
+15.6% YoY
|
0.56%
+16.1% YoY
|
0.66%
+19.3% YoY
|
Bottom 4.4% in tier |
| Tier 1 Capital Ratio ? |
12.31%
-5.0% YoY
+0.2% QoQ
|
-2.86% |
15.17%
+2.0% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.05%
-7.9% YoY
-76.4% QoQ
|
-0.21% |
0.26%
+1.6% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.0% YoY
|
Bottom 8.6% in tier |
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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.