BlastPoint's Banking Scorecard
Southeastern Bank
Community
Specialty: Commercial
GA
FDIC cert 5685
Darien, GA
1484
banks in Community tier nationally
36 in GA
View Community leaderboard (GA) →
Southeastern Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 70% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 24% in Community
- - Credit Risk Growth: Bottom 32% in Community
- - Capital Thin: Bottom 38% in Community
- - Margin Compression: Bottom 55% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$623.4M
+3.6% YoY
+3.2% QoQ
|
-$768.1M |
$1.4B
+2.0% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$406.5M
+7.6% YoY
+0.1% QoQ
|
-$569.0M |
$975.5M
+2.4% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
16% |
| Total Deposits ? |
$545.5M
+2.7% YoY
+3.3% QoQ
|
-$619.1M |
$1.2B
+1.7% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
1.61%
-8.2% YoY
-2.9% QoQ
|
+0.45% |
1.16%
+17.2% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
4.78%
+1.6% YoY
+0.3% QoQ
|
+1.12% |
3.66%
+9.1% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
55.37%
+3.2% YoY
-0.2% QoQ
|
-7.26% |
62.63%
-5.3% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
71% |
| Delinquency Rate ? |
0.32%
+33.9% YoY
+18.9% QoQ
|
-0.31% |
0.63%
+18.3% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
74.52%
+4.8% YoY
-3.1% QoQ
|
-8.54% |
83.06%
+0.3% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
27.49%
-1.3% YoY
-4.2% QoQ
|
+6.44% |
21.05%
-0.9% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.21%
+35.8% YoY
+14.6% QoQ
|
-0.29% |
0.50%
+20.3% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
63% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.56%
-2.8% YoY
+28.2% QoQ
|
-0.18% |
0.74%
-1.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
56% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#105 of 150 · Top 70% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
27.49%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.78%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank declining
Concerns (4)
Credit Quality Pressure
risk
#196 of 808 · Bottom 24% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.32%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#208 of 642 · Bottom 32% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Capital Thin
risk
#166 of 432 · Bottom 38% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Margin Compression
decline
#66 of 120 · Bottom 55% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.61%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
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
92
92th pctile
Net Interest Margin
Current: 4.78% · Tier avg: 3.66%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.16%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 27.49% · Tier avg: 21.05%
73
73th pctile
Loan-to-Deposit Ratio
Current: 74.52% · Tier avg: 83.06%
71
71th pctile
Efficiency Ratio
Current: 55.37% · Tier avg: 62.63%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
60
60th pctile
Delinquency Rate
Current: 0.32% · Tier avg: 0.63%
56
56th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
20
20th pctile
Total Deposits
Current: $545.5M · Tier avg: $1.2B
17
17th pctile
Total Assets
Current: $623.4M · Tier avg: $1.4B
16
16th pctile
Total Loans
Current: $406.5M · Tier avg: $975.5M
Top Weaknesses
16
16th pctile
Total Loans
Current: $406.5M · Tier avg: $975.5M
17
17th pctile
Total Assets
Current: $623.4M · Tier avg: $1.4B
20
20th pctile
Total Deposits
Current: $545.5M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
56
56th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.74%
60
60th pctile
Delinquency Rate
Current: 0.32% · Tier avg: 0.63%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
71
71th pctile
Efficiency Ratio
Current: 55.37% · Tier avg: 62.63%
73
73th pctile
Loan-to-Deposit Ratio
Current: 74.52% · Tier avg: 83.06%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 27.49% · Tier avg: 21.05%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.16%
92
92th pctile
Net Interest Margin
Current: 4.78% · Tier avg: 3.66%