BlastPoint's Banking Scorecard
Southeast First National Bank
Micro
Specialty: Other
GA
FDIC cert 19819
Designations: ✓ Community bank
Summerville, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Southeast First National Bank shows strong momentum with 1 strength and 15.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 41.38% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$70.4M
+15.8% YoY
+1.9% QoQ
|
-$147.1M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$20.4M
+18.2% YoY
+4.6% QoQ
|
-$118.8M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$61.5M
+16.4% YoY
+2.5% QoQ
|
-$122.2M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
1.20%
+127.6% YoY
-24.6% QoQ
|
+0.11% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
58% |
| Net Interest Margin ? |
3.50%
+17.2% YoY
+2.9% QoQ
|
-0.35% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
72.28%
-7.6% YoY
+10.5% QoQ
|
+4.56% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
34% |
| Delinquency Rate ? |
0.03%
-78.1% YoY
|
-0.61% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
33.15%
+1.5% YoY
+2.1% QoQ
|
-41.38% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.80%
-5.0% YoY
+2.2% QoQ
|
+1.41% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.01%
-77.6% YoY
|
-0.44% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
81% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.63%
-7.8% YoY
+3.5% QoQ
|
+0.07% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
79% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
33.15%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Loan-to-Deposit Ratio
Current: 33.15% · Tier avg: 74.53%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
79
79th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.56%
77
77th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.80% · Tier avg: 22.39%
58
58th pctile
Return on Assets
Current: 1.20% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
34
34th pctile
Efficiency Ratio
Current: 72.28% · Tier avg: 67.73%
34
34th pctile
Net Interest Margin
Current: 3.50% · Tier avg: 3.85%
14
14th pctile
Total Deposits
Current: $61.5M · Tier avg: $183.7M
13
13th pctile
Total Assets
Current: $70.4M · Tier avg: $217.5M
7
7th pctile
Total Loans
Current: $20.4M · Tier avg: $139.2M
Top Weaknesses
7
7th pctile
Total Loans
Current: $20.4M · Tier avg: $139.2M
13
13th pctile
Total Assets
Current: $70.4M · Tier avg: $217.5M
14
14th pctile
Total Deposits
Current: $61.5M · Tier avg: $183.7M
34
34th pctile
Net Interest Margin
Current: 3.50% · Tier avg: 3.85%
34
34th pctile
Efficiency Ratio
Current: 72.28% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Return on Assets
Current: 1.20% · Tier avg: 1.08%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.80% · Tier avg: 22.39%
77
77th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
79
79th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.56%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
97
97th pctile
Loan-to-Deposit Ratio
Current: 33.15% · Tier avg: 74.53%