SouthEast Bank: how it compares with its peers
Against 10 TN banks with half to twice its assets, SouthEast Bank's strongest measure in Q2 2026 is assets per employee ($11.3M vs. a $8.2M peer median). Its weakest relative measure is return on assets (0.75% vs. 1.39%).
| Measure | SouthEast Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.75% | 1.39% | Bottom third Ahead of 10% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.37% | 3.87% | Bottom third Ahead of 10% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.34% | 57.02% | Bottom third Ahead of 10% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.3M | $8.2M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 96.08% | 82.27% | Context |
What it means for lending operations
Its efficiency ratio of 71.34% is above the 57.02% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Lawrence Bank Nashville, TN · $3.04B
- Home Federal Bank of Tennessee Knoxville, TN · $2.73B
- Commercial Bank Harrogate, TN · $2.36B
- Builtwell Bank Chattanooga, TN · $2.28B
- Bank of Tennessee Kingsport, TN · $2.25B
- Citizens National Bank Sevierville, TN · $1.96B
Questions about SouthEast Bank
How big is SouthEast Bank?
SouthEast Bank, established in 2002, is headquartered in Farragut, TN. It reported $3.58B in total assets in its Q2 2026 FDIC call report and operates 15 offices.
What is SouthEast Bank's return on assets?
0.75% annualized in Q2 2026, against a 1.39% median for 10 TN banks with half to twice its assets, ahead of 10% of them.
What is SouthEast Bank's efficiency ratio?
71.34% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 57.02%, and lower is better.
Is SouthEast Bank growing its loans?
Net loans grew 8.0% over the year to Q2 2026, while deposits grew 7.8%.
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 TN 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 Tennessee bank ranked.