Southeast First National Bank: how it compares with its peers
Against 18 GA banks with half to twice its assets, Southeast First National Bank's strongest measure in Q2 2026 is efficiency ratio (73.08% vs. a 77.05% peer median). Its weakest relative measure is assets per employee ($4.2M vs. $4.8M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.80% | 0.94% | Middle third Ahead of 44% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.76% | 4.38% | Bottom third Ahead of 33% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.08% | 77.05% | Middle third Ahead of 61% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.2M | $4.8M | Bottom third Ahead of 22% of peers |
| Loans to deposits Net loans and leases over total deposits. | 28.17% | 66.54% | Context |
What it means for lending operations
Its efficiency ratio of 73.08% is better than the 77.05% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Apex Banking Company of Georgia Cleveland, GA · $73M
- The Security State Bank Mcrae, GA · $70M
- The Bank of Edison Edison, GA · $84M
- Bank of Hancock County Sparta, GA · $85M
- Rochelle State Bank Rochelle, GA · $86M
- First State Bank of Randolph County Cuthbert, GA · $87M
Questions about Southeast First National Bank
How big is Southeast First National Bank?
Southeast First National Bank, established in 1968, is headquartered in Summerville, GA. It reported $75M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Southeast First National Bank's return on assets?
0.80% annualized in Q2 2026, against a 0.94% median for 18 GA banks with half to twice its assets, ahead of 44% of them.
What is Southeast First National Bank's efficiency ratio?
73.08% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 77.05%, and lower is better.
Is Southeast First National Bank growing its loans?
Net loans shrank 1.8% over the year to Q2 2026, while deposits grew 10.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are GA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.