Total Assets
$70M
Total balance-sheet footings
FDIC Cert #19819 · Summerville, Georgia · Est. 1968
Southeast First National Bank - FDIC Bank Health Profile
A community-scale look at Southeast First National Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $70M
- Total assets
- B
- Health grade · Good
- 1.20%
- Return on assets
- 12.1%
- Tier 1 capital
Data updated July 2026
The verdict
Southeast First National Bank earns a PlainBankData health grade of B (79/100), with well-capitalized at 12.15% Tier 1, profitable at 1.20% ROA, 72% efficiency ratio.
- #3,980
- largest of 4,313 FDIC banks by assets
- 8th
- percentile by asset size, nationally
- 12.15%
- Tier 1 ratio - above the 10% well-capitalized line
- 57th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Southeast First National Bank's 79/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Southeast First National Bank's composite health score
Tier 1 Capital Ratio (12.15%) 35/40
Return on Assets (ROA) (1.20%) 20/25
Texas Ratio (0.08%) 20/20
Efficiency Ratio (72.28%) 4/15
79 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$62M
Customer-funded liabilities
Net Loans
$20M
Outstanding loan book
Net Income
$805K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Southeast First National Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Southeast First National Bank's score of 79/100 falls in the highlighted band.
Southeast First National 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 First National Bank's $70M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.15% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.15%
Texas Ratio
0.08%
Equity Capital
$9M
Profitability metrics
Return on Assets (ROA)
57th percentile nationally
1.20%
Return on Equity (ROE)
9.66%
Efficiency Ratio
72.28%
What the numbers say about Southeast First National Bank
Southeast First National Bank is an FDIC-insured institution (Certificate #19819) headquartered in Summerville, Georgia, established in 1968. It holds $70M in total assets - 3,980th of 4,313 FDIC-insured banks, $62M in customer deposits, and $20M in net loans. Its capital position: a Tier 1 ratio of 12.15%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.08% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (79 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Southeast First National Bank is a community-scale institution -- 125th of 129 FDIC-insured banks headquartered in Georgia by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$3M
Interest Income
$444K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Southeast First National Bank reports a Texas Ratio of 0.08% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.08% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Georgia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Southeast First National Bank (FDIC Cert #19819) - 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 Georgia
All Georgia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameris BankAtlanta | $27.4B | A | 1.64% |
| RBC Bank, (Georgia) National AssociationAtlanta | $8.0B | A | 2.48% |
| Metro City BankDoraville | $4.7B | A | 1.79% |
| Colony BankFitzgerald | $3.7B | B | 0.92% |
| Georgia Banking CompanyAtlanta | $2.7B | B | 0.96% |
| United BankZebulon | $2.3B | A | 2.66% |
| Pinnacle BankElberton | $2.3B | B | 1.29% |
| Queensborough National Bank & Trust CompanyLouisville | $2.2B | A | 1.05% |
Frequently asked questions
What is Southeast First National Bank's health grade?▼
Southeast First National Bank receives a health grade of B (79/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Southeast First National Bank?▼
Southeast First National Bank holds $70M in total assets and $62M in deposits, ranking 3,980th of 4,313 FDIC-insured banks by asset size. It is headquartered in Summerville, Georgia.
Is my money safe at Southeast First National Bank?▼
Yes, deposits at Southeast First National Bank (Certificate #19819) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Southeast First National Bank's Tier 1 Capital Ratio?▼
Southeast First National Bank has a Tier 1 Capital Ratio of 12.15%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Southeast First National Bank?▼
Southeast First National Bank has a Texas Ratio of 0.08%. Staying under 50% is the level analysts treat as 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 First National Bank?▼
Southeast First National Bank has an Efficiency Ratio of 72.28%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Southeast First National Bank's profile as a depositor or analyst.
- Southeast First National Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Southeast First National Bank against other Georgia banks before moving funds. Georgia 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.