BlastPoint's Banking Scorecard
SouthEast Bank
Community
Specialty: Commercial
TN
FDIC cert 57348
Farragut, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
SouthEast Bank faces 3 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 2.82% above tier
- - Non-Interest-Bearing Deposit Share 13.80% below tier
- - Nonperforming Asset Ratio 2.49% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.5B
+17.1% YoY
+1.3% QoQ
|
+$2.1B |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 5% in tier |
| Total Loans ? |
$3.0B
+22.0% YoY
+0.1% QoQ
|
+$2.0B |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
Top 3% in tier |
| Total Deposits ? |
$3.1B
+17.9% YoY
+1.1% QoQ
|
+$2.0B |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
Top 4% in tier |
| Return on Assets ? |
0.68%
-26.9% YoY
-1.1% QoQ
|
-0.48% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
3.47%
-10.2% YoY
+0.0% QoQ
|
-0.20% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
41% |
| Efficiency Ratio ? |
71.37%
+5.2% YoY
+2.6% QoQ
|
+8.74% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? |
3.45%
+47.5% YoY
+3.8% QoQ
|
+2.82% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
95.65%
+3.6% YoY
-1.0% QoQ
|
+12.59% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
7.25%
+5.1% YoY
-0.0% QoQ
|
-13.80% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
2.99%
+54.5% YoY
+2.5% QoQ
|
+2.49% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
12.28%
-11.8% YoY
+2.3% QoQ
|
+2.04% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.19%
-12.1% YoY
+33.4% QoQ
|
-0.55% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
3.45%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Community
Why this stands out
Current:
7.25%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
2.99%
(Tier avg: 0.50%, National avg: 0.48%)
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
Total Loans
Current: $3.0B · Tier avg: $975.5M
96
96th pctile
Total Deposits
Current: $3.1B · Tier avg: $1.2B
95
95th pctile
Total Assets
Current: $3.5B · Tier avg: $1.4B
50
50th pctile
Tier 1 Capital Ratio
Current: 12.28% · Tier avg: 10.24%
41
41th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.66%
24
24th pctile
Efficiency Ratio
Current: 71.37% · Tier avg: 62.63%
22
22th pctile
Loan-to-Deposit Ratio
Current: 95.65% · Tier avg: 83.06%
19
19th pctile
Return on Assets
Current: 0.68% · Tier avg: 1.16%
11
11th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.74%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 7.25% · Tier avg: 21.05%
0
0th pctile
Delinquency Rate
Current: 3.45% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.99% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.99% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 3.45% · Tier avg: 0.63%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 7.25% · Tier avg: 21.05%
11
11th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.74%
19
19th pctile
Return on Assets
Current: 0.68% · Tier avg: 1.16%
22
22th pctile
Loan-to-Deposit Ratio
Current: 95.65% · Tier avg: 83.06%
24
24th pctile
Efficiency Ratio
Current: 71.37% · Tier avg: 62.63%
41
41th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.66%
50
50th pctile
Tier 1 Capital Ratio
Current: 12.28% · Tier avg: 10.24%
95
95th pctile
Total Assets
Current: $3.5B · Tier avg: $1.4B
96
96th pctile
Total Deposits
Current: $3.1B · Tier avg: $1.2B
97
97th pctile
Total Loans
Current: $3.0B · Tier avg: $975.5M