Southeastern Bank: how it compares with its peers
Against 54 GA banks with half to twice its assets, Southeastern Bank's strongest measure in Q2 2026 is net interest margin (4.90% vs. a 4.57% peer median). Its weakest relative measure is assets per employee ($5.6M vs. $7.1M).
| Measure | Southeastern Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.71% | 1.60% | Middle third Ahead of 61% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.90% | 4.57% | Top third Ahead of 76% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.03% | 56.16% | Middle third Ahead of 54% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $7.1M | Bottom third Ahead of 11% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.61% | 80.23% | Context |
What it means for lending operations
Its efficiency ratio of 55.03% is better than the 56.16% 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
- First Port City Bank Bainbridge, GA · $624M
- Community Bank of Pickens County Jasper, GA · $629M
- Northeast Georgia Bank Lavonia, GA · $651M
- The Citizens Bank of Georgia Cumming, GA · $599M
- Guardian Bank Valdosta, GA · $598M
- Pineland Bank Alma, GA · $597M
Questions about Southeastern Bank
How big is Southeastern Bank?
Southeastern Bank, established in 1889, is headquartered in Darien, GA. It reported $625M in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is Southeastern Bank's return on assets?
1.71% annualized in Q2 2026, against a 1.60% median for 54 GA banks with half to twice its assets, ahead of 61% of them.
What is Southeastern Bank's efficiency ratio?
55.03% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 56.16%, and lower is better.
Is Southeastern Bank growing its loans?
Net loans grew 6.2% over the year to Q2 2026, while deposits grew 2.0%.
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.