Total Assets
$3.5B
Total balance-sheet footings
FDIC Cert #57348 · Farragut, Tennessee · Est. 2002
SouthEast Bank - FDIC Bank Health Profile
A community-scale look at SouthEast Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $3.5B
- Total assets
- C
- Health grade · Fair
- 0.68%
- Return on assets
- 12.3%
- Tier 1 capital
Data updated July 2026
The verdict
SouthEast Bank earns a PlainBankData health grade of C (57/100), with well-capitalized at 12.28% Tier 1, 0.68% ROA, 71% efficiency ratio.
- #369
- largest of 4,313 FDIC banks by assets
- 92nd
- percentile by asset size, nationally
- 12.28%
- Tier 1 ratio - above the 10% well-capitalized line
- 23rd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How SouthEast Bank's 57/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
SouthEast Bank's composite health score
Tier 1 Capital Ratio (12.28%) 35/40
Return on Assets (ROA) (0.68%) 14/25
Texas Ratio (33.28%) 4/20
Efficiency Ratio (71.37%) 4/15
57 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$3.1B
Customer-funded liabilities
Net Loans
$3.0B
Outstanding loan book
Net Income
$23M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where SouthEast Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. SouthEast Bank's score of 57/100 falls in the highlighted band.
SouthEast Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). SouthEast Bank's $3.5B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.28% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.28%
Texas Ratio
33.28%
Equity Capital
$292M
Profitability metrics
Return on Assets (ROA)
23rd percentile nationally
0.68%
Return on Equity (ROE)
8.17%
Efficiency Ratio
71.37%
What the numbers say about SouthEast Bank
SouthEast Bank is an FDIC-insured institution (Certificate #57348) headquartered in Farragut, Tennessee, established in 2002. It holds $3.5B in total assets - 369th of 4,313 FDIC-insured banks, $3.1B in customer deposits, and $3.0B in net loans. Looking at capital strength, Tier 1 stands at 12.28%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 33.28%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (57/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
SouthEast Bank's asset base places it among the largest FDIC-insured institutions in the country, 369th of 4,313 nationally, and 6th of 111 banks headquartered in Tennessee. Only SmartBank ($5.9B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$201M
Interest Income
$7M
Non-Interest Income
$82M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. SouthEast Bank reports a Texas Ratio of 33.28% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
33.28% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Tennessee by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) SouthEast Bank (FDIC Cert #57348) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Tennessee
All Tennessee banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First Horizon BankMemphis | $83.6B | B | 1.35% |
| Pinnacle BankNashville | $57.6B | A | 1.25% |
| FirstBankNashville | $16.3B | B | 0.89% |
| Wilson Bank and TrustLebanon | $5.9B | A | 1.38% |
| SmartBankPigeon Forge | $5.9B | B | 1.00% |
| Home Federal Bank of TennesseeKnoxville | $2.7B | C | 0.21% |
| Builtwell BankChattanooga | $2.3B | A | 2.07% |
| Commercial BankHarrogate | $2.3B | A | 1.77% |
Frequently asked questions
What is SouthEast Bank's health grade?▼
SouthEast Bank receives a health grade of C (57/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is SouthEast Bank?▼
SouthEast Bank holds $3.5B in total assets and $3.1B in deposits, ranking 369th of 4,313 FDIC-insured banks by asset size. It is headquartered in Farragut, Tennessee.
Is my money safe at SouthEast Bank?▼
Yes, deposits at SouthEast Bank (Certificate #57348) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is SouthEast Bank's Tier 1 Capital Ratio?▼
SouthEast Bank has a Tier 1 Capital Ratio of 12.28%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for SouthEast Bank?▼
SouthEast Bank has a Texas Ratio of 33.28%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is SouthEast Bank?▼
SouthEast Bank has an Efficiency Ratio of 71.37%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read SouthEast Bank's profile as a depositor or analyst.
- SouthEast Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare SouthEast Bank against other Tennessee banks before moving funds. Tennessee banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.