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Southeastern Bank
Darien, GA · FDIC Certificate #5685 · Chartered 01/0
Total assets
$624.92M
Total deposits
$544.10M
Total equity
$77.31M
Net loans
$422.29M
Branches (offices)
11
Net income (YTD)
$5.33M
Rank: #1,510 of 4,213 U.S. banks by assets · #26 of 123 in Georgia. Assets changed 2.6% and deposits 2.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.71% |
| Return on equity | 14.06% |
| Net interest margin (YTD) | 4.90% |
| Equity to assets | 12.37% |
| Tier 1 leverage ratio | 13.42% |
| Uninsured deposits (share of deposits) | 17.3% |
| Noncurrent loans (share of loans) | 0.38% |
| Net charge-offs (share of loans) | -0.04% |
| Loans to deposits | 77.6% |
| Real estate loans (share of loans) | 89.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $379.73M | 89.9% | |
| Commercial & industrial | $31.64M | 7.5% | |
| Consumer / individual | $10.12M | 2.4% | |
| Construction & development | $60.34M | 14.3% | |
| Agricultural | $1.64M | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $655.35M | $601.46M | $3.65M | $52.45M |
| Jun 2023 | $599.59M | $540.72M | $5.65M | $56.17M |
| Jun 2024 | $595.12M | $510.56M | $5.31M | $62.86M |
| Jun 2025 | $609.07M | $533.41M | $4.95M | $70.52M |
| Jun 2026 | $624.92M | $544.10M | $5.33M | $77.31M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $464.55M | 9 |
| Florida | $79.55M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $544.10M.
Similar-sized banks
Tioga State Bank National Association ($625.19M) · Liberty National Bank ($624.38M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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