$3.58B
+8.6%y/y
Percentile by value23rd percentileby value
FDIC
ASSETSB
SouthEast Bank
Farragut, TennesseeFDIC Cert #57348
STATEEstablished 200215 branches
Holding company: EDUCATION LOAN FINANCE INCRegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportSouthEast Bank reported $3.58B in total assets. Deposits grew 8.56% over the prior year.
Return on assets was 0.60%, compared with an asset-peer median of 1.31%. The leverage ratio was 8.51%.
- Why is Total Assets below asset peers?
- Why is Noncurrent Loan Ratio above asset peers?
- Why is Return on Assets below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$3.23B
+8.6%y/y
Percentile by value31st percentileby value
FDIC
DEP$3.14B
+11.6%y/y
Percentile by value43rd percentileby value
FDIC
LNLSNET0.60%
−4 bpsy/y
Peer standing9th percentile
FDIC
NETINC + ROA72.55%
−145 bpsy/y
Peer standing11th percentile
FDIC
NONIX + NIM + NONII + EEFFR8.51%
−39 bpsy/y
Peer standing7th percentile
FDIC
RBC1AAJPercentiles compare this bank with 269 banks from $3 billion to $10 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $2.2B | $1.97B |
| Q3 2021 | $2.16B | $1.95B |
| Q4 2021 | $2.2B | $1.98B |
| Q1 2022 | $2.42B | $2.19B |
| Q2 2022 | $2.28B | $2.05B |
| Q3 2022 | $2.34B | $2.11B |
| Q4 2022 | $2.3B | $2.06B |
| Q1 2023 | $2.58B | $2.33B |
| Q2 2023 | $2.6B | $2.33B |
| Q3 2023 | $2.45B | $2.18B |
| Q4 2023 | $2.91B | $2.63B |
| Q1 2024 | $2.86B | $2.57B |
| Q2 2024 | $2.85B | $2.55B |
| Q3 2024 | $2.86B | $2.55B |
| Q4 2024 | $2.98B | $2.66B |
| Q1 2025 | $3.29B | $2.98B |
| Q2 2025 | $3.32B | $2.99B |
| Q3 2025 | $3.44B | $3.11B |
| Q4 2025 | $3.48B | $3.14B |
| Q1 2026 | $3.58B | $3.23B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $181M |
| Investor CRE | $339M |
| Multifamily | $48M |
| Construction | $374M |
| 1–4 family | $310M |
| C&I | $131M |
| Agriculture | $9.16M |
| Other | $1.77B |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.60%9th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.62%Median 1.31%90th 1.98%Observations 269
ROE
FDIC
NETINC + ROE7.19%14th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.65%Median 12.37%90th 18.59%Observations 269
NIM
FDIC
NIM + NIMY3.33%32nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.54%Median 3.63%90th 4.54%Observations 275
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR72.55%11th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 40.83%Median 57.10%90th 73.47%Observations 269
Deposits YoY
FDIC
DEP+8.56%68th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.75%Median +5.09%90th +22.27%Observations 273
Loans YoY
FDIC
LNLSNET+11.63%78th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.13%Median +6.60%90th +20.92%Observations 272
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR2.73%6th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.16%Median 0.64%90th 1.96%Observations 272
Leverage
FDIC
RBC1AAJ8.51%7th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.88%Median 10.42%90th 13.45%Observations 275
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.99%35th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.86%Median 2.69%90th 3.74%Observations 267
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC239%55th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 76%Median 233%90th 347%Observations 239
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.60%17th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.46%Median 1.06%90th 1.94%Observations 110
ROE
FDIC
NETINC + ROE7.19%24th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.67%Median 10.93%90th 19.22%Observations 110
NIM
FDIC
NIM + NIMY3.33%16th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.23%Median 3.91%90th 4.75%Observations 110
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR72.55%28th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.24%Median 64.73%90th 82.26%Observations 110
Deposits YoY
FDIC
DEP+8.56%74th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.56%Median +4.67%90th +17.42%Observations 110
Loans YoY
FDIC
LNLSNET+11.63%72nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.21%Median +8.14%90th +17.99%Observations 110
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR2.73%3rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 1.63%Observations 110
Leverage
FDIC
RBC1AAJ8.51%6th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.54%90th 14.36%Observations 110
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.99%24th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.85%Median 2.65%90th 3.27%Observations 110
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC239%64th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 81%Median 202%90th 319%Observations 74
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 15 branches
- Headquarters
- Farragut, TN
FDIC
OFFDOMOpen the Tennessee dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data