The catalogue › United States › Southeast

The regional note · prepared 8 September 2026

Southeast

384 banks and 451 credit unions read from their latest filings, every state in the Southeast ranked against the others and the largest institutions against each other.

Small-business lending ↓

The states Virginia · West Virginia · North Carolina · South Carolina · Georgia · Florida

Banks

384 banks filing across 6 states · read from the 30 June 2026 Call Report

384

banks filing

$5.07T in assets

+5.5%

Loans, year over year

on the banks filing at both dates

11.9%

CRE / loans

in aggregate

69%

Loans / deposits

in aggregate

0.87%

Noncurrent / loans

-4 bps on a year earlier

10.6%

Equity / assets

in aggregate

The Southeast's 384 banks hold $5.07T in assets at 30 June 2026, across 6 states. Bank of America N.A. is the largest at $2.65T, and the five largest hold 84% of the total; 102 institutions are above $1B, holding $4.30T. North Carolina holds the most, $3.50T.

Loans grew +5.5% in the year on the banks filing at both dates, fastest in Georgia at +14.1% and slowest in Virginia at +2.8%. Noncurrent loans are 0.87% of the book, down 4 basis points on a year earlier; the rate rose in 3 states and fell in 3, rising most in West Virginia (+14 bps) and highest outright in Virginia at 1.32%.

By category, multifamily loans went late the most, the noncurrent rate +38 bps to 1.00%, then auto (+15 bps to 0.81%); construction & land improved the most, -31 bps. Commercial real estate is 11.9% of loans in aggregate, heaviest in West Virginia at 34.2%; the banks lend 69% of their deposits, and equity is 10.6% of assets.

The largest banks, by size

the twenty largest in each band headquartered in the Southeast; each has its own read in the catalogue

Under $1B: the 20 largest of 278banks headquartered in the Southeast, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	Farmers & Merchants Bank	NC	$999M	+2.1%	61.6%	64%	0.79%	2.52%	15.0%
2	Beacon Community Bank	SC	$982M	+9.3%	26.2%	110%	0.02%	0.48%	8.0%
3	Potomac Bank	WV	$980M	+4.4%	38.5%	91%	0.08%	1.34%	9.7%
4	Sanibel Captiva Community Bank	FL	$976M	-3.9%	24.8%	104%	0.67%	1.95%	9.9%
5	Oak View National Bank	VA	$966M	+17.0%	19.5%	57%	0.01%	0.88%	8.7%
6	Mainstreet Community Bank of Florida	FL	$953M	+19.2%	36.1%	85%	1.27%	1.04%	8.8%
7	New Peoples Bank Inc	VA	$942M	+5.4%	31.4%	89%	0.45%	1.44%	10.4%
8	Bank of Botetourt	VA	$939M	+10.2%	27.6%	95%	0.25%	1.78%	10.8%
9	Affinity Bank National Association	GA	$915M	+2.3%	33.2%	102%	0.47%	1.08%	12.9%
10	First American Bank & Trust Co.	GA	$902M	+11.5%	52.7%	94%	0.00%	1.96%	13.0%
11	Terrabank National Association	FL	$898M	+16.1%	57.6%	76%	0.11%	0.71%	8.7%
12	KS Bank Inc	NC	$874M	+21.5%	47.2%	92%	0.12%	1.29%	8.4%
13	Farmers & Merchants Bank	GA	$862M	+7.5%	37.8%	79%	1.86%	1.56%	8.6%
14	Pendleton Community Bank Inc	WV	$850M	+10.3%	22.6%	99%	0.85%	1.22%	8.6%
15	Carolina Bank & Trust Co.	SC	$845M	+3.4%	27.6%	83%	0.41%	1.88%	13.1%
16	United Southern Bank	FL	$843M	+10.6%	44.8%	61%	0.44%	1.19%	7.6%
17	Arthur State Bank	SC	$832M	+6.0%	21.1%	90%	0.60%	1.13%	6.8%
18	First Century Bank N.A.	GA	$832M	+49.7%	5.6%	20%	0.00%	1.77%	16.2%
19	Barwick Banking Co.	GA	$830M	+31.6%	32.0%	100%	0.49%	0.84%	8.5%
20	Promiseone Bank	GA	$812M	+2.5%	41.9%	85%	0.81%	1.50%	8.6%

$1B to $3B: the 20 largest of 60banks headquartered in the Southeast, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	Citizens & Farmers Bank	VA	$2.79B	+6.0%	41.9%	91%	0.09%	1.26%	11.7%
2	Newtek Bank National Association	FL	$2.47B	+84.8%	23.0%	92%	7.19%	4.14%	8.3%
3	Cogent Bank	FL	$2.45B	+4.4%	23.2%	83%	0.39%	2.19%	9.9%
4	Coastal States Bank	SC	$2.42B	+11.1%	35.3%	94%	0.95%	1.16%	10.8%
5	John Marshall Bank	VA	$2.40B	+5.1%	54.1%	101%	0.01%	1.20%	12.3%
6	First Community Bank	SC	$2.38B	+25.1%	47.1%	78%	0.05%	1.20%	9.9%
7	Anderson Brothers Bank	SC	$2.38B	+13.7%	34.0%	88%	0.59%	1.50%	8.7%
8	Pibank National Association	FL	$2.37B	+76.1%	51.4%	54%	0.13%	-0.43%	8.9%
9	Fvcbank	VA	$2.36B	+1.6%	46.2%	92%	0.59%	1.42%	11.8%
10	Crews Bank & Trust	FL	$2.33B	+6.4%	45.4%	64%	0.06%	1.90%	10.7%
11	Blue Ridge Bank N.A.	VA	$2.31B	-6.9%	39.6%	98%	1.68%	0.01%	10.6%
12	Queensborough National Bank & Trust Co.	GA	$2.28B	+10.4%	24.8%	68%	0.59%	1.08%	7.9%
13	Mainstreet Bank	VA	$2.24B	+9.0%	58.9%	100%	3.15%	0.91%	12.5%
14	Chain Bridge Bank N.A.	VA	$2.19B	-4.7%	12.6%	14%	0.00%	1.81%	8.1%
15	Thomasville National Bank	GA	$2.18B	+12.4%	31.1%	99%	0.22%	2.45%	10.4%
16	United Bank	GA	$2.16B	+2.6%	38.2%	50%	0.23%	2.56%	12.0%
17	First Bank	VA	$2.07B	+3.0%	40.0%	81%	0.32%	1.13%	9.4%
18	One Florida Bank	FL	$2.07B	+7.0%	39.2%	92%	0.17%	0.98%	9.6%
19	Conway National Bank	SC	$2.00B	+3.6%	31.2%	52%	0.02%	1.43%	9.8%
20	South Atlantic Bank	SC	$1.98B	+7.6%	42.7%	92%	0.01%	1.07%	8.6%

$3B to $10B: the 20 largest of 25banks headquartered in the Southeast, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	RBC Bank Georgia N.A.	GA	$9.59B	+54.7%	0.0%	51%	0.41%	2.31%	10.0%
2	Ocean Bank	FL	$7.63B	+9.1%	71.0%	100%	0.38%	1.08%	9.6%
3	City National Bank of West Virginia	WV	$6.76B	+3.9%	30.4%	83%	0.22%	1.92%	10.6%
4	Bradesco Bank	FL	$6.10B	+15.2%	7.1%	91%	0.15%	0.99%	9.9%
5	Banesco USA	FL	$5.98B	+8.4%	36.0%	77%	0.49%	1.46%	10.5%
6	Emigrant Bank	FL	$5.68B	-3.8%	30.6%	95%	4.77%	0.60%	21.4%
7	Southern Bank & Trust Co.	NC	$5.30B	+8.4%	24.9%	75%	0.12%	1.34%	8.2%
8	Carter Bank & Trust	VA	$4.80B	-0.3%	65.9%	89%	1.01%	3.60%	11.3%
9	Southern First Bank	SC	$4.70B	+7.5%	27.0%	101%	0.28%	0.93%	8.7%
10	Fidelity Bank	NC	$4.66B	+5.9%	40.4%	70%	0.42%	1.67%	10.0%
11	First Federal Bank	FL	$4.49B	+4.6%	17.1%	42%	2.96%	1.17%	10.4%
12	Metro City Bank	GA	$4.47B	+26.6%	19.7%	112%	0.44%	1.97%	11.5%
13	Capital City Bank	FL	$4.45B	-4.4%	22.9%	66%	0.40%	1.52%	11.9%
14	Hometrust Bank	NC	$4.44B	-2.6%	37.2%	104%	1.40%	1.57%	13.2%
15	Primis Bank	VA	$4.34B	+13.6%	22.0%	107%	1.83%	1.03%	11.0%
16	First Bank & Trust Co.	VA	$4.28B	+6.1%	30.8%	95%	0.28%	1.83%	9.9%
17	Vallant Bank	GA	$3.99B	+84.1%	37.6%	86%	0.51%	1.20%	12.3%
18	Colony Bank	GA	$3.61B	+23.5%	42.8%	83%	0.76%	1.08%	11.2%
19	First Community Bank	VA	$3.61B	+4.5%	31.6%	81%	0.70%	1.97%	14.2%
20	MVB Bank Inc	WV	$3.50B	+15.0%	43.9%	79%	1.18%	1.40%	9.5%

$10B to $20B: the 4 largest of 4banks headquartered in the Southeast, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	Live Oak Banking Co.	NC	$15.96B	+15.6%	23.8%	90%	4.01%	0.96%	7.6%
2	First Bank	NC	$13.03B	+9.3%	49.0%	81%	0.49%	1.54%	13.6%
3	Burke & Herbert Bank & Trust Co.	VA	$10.98B	+43.1%	54.4%	89%	1.19%	0.94%	12.1%
4	Amerant Bank National Association	FL	$10.27B	-4.5%	34.7%	82%	2.49%	0.89%	9.6%

Over $20B: the 17 largest of 17banks headquartered in the Southeast, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	Bank of America N.A.	NC	$2654.64B	+6.0%	4.6%	57%	0.65%	1.11%	9.1%
2	Capital One National Association	VA	$662.16B	+2.2%	5.0%	89%	1.49%	1.64%	14.9%
3	Truist Bank	NC	$548.35B	+3.9%	10.0%	79%	0.72%	1.15%	11.5%
4	First-citizens Bank & Trust Co.	NC	$236.32B	+6.8%	14.5%	87%	1.12%	1.02%	9.8%
5	HSBC Bank USA National Association	VA	$173.10B	-4.5%	2.6%	39%	1.45%	0.96%	9.6%
6	Southstate Bank N.A.	FL	$68.79B	+7.7%	39.8%	91%	0.54%	1.41%	14.1%
7	Everbank National Association	FL	$46.69B	+12.3%	20.7%	98%	1.42%	0.99%	9.2%
8	Raymond James Bank	FL	$45.60B	+7.5%	10.9%	90%	0.28%	1.66%	7.3%
9	Atlantic Union Bank	VA	$38.02B	+4.9%	40.4%	94%	0.50%	1.62%	15.2%
10	Bankunited National Association	FL	$34.86B	-0.1%	28.7%	82%	1.69%	0.86%	9.1%
11	United Bank	VA	$33.64B	+3.9%	48.1%	92%	0.44%	1.55%	16.7%
12	City National Bank of Florida	FL	$29.11B	+7.7%	44.4%	93%	0.81%	1.22%	10.6%
13	United Community Bank	SC	$28.99B	+5.4%	30.2%	83%	0.51%	1.39%	11.8%
14	Ameris Bank	GA	$28.42B	+5.0%	39.4%	100%	0.57%	1.22%	14.3%
15	Wesbanco Bank Inc	WV	$27.75B	+3.1%	39.6%	90%	0.86%	1.39%	15.2%
16	Townebank	VA	$22.62B	+22.9%	41.8%	82%	0.22%	2.07%	13.2%
17	Seacoast National Bank	FL	$21.34B	+24.0%	37.6%	78%	0.66%	0.87%	14.2%

Noncurrent loans, share of loans, by stateevery bank in the state summed, 30 June 2026; 90 days or more past due and still accruing, plus nonaccrual, over loans; darker is higher

Virginia carries the highest rate at 1.32%, 82% of it one institution, Capital One National Association at 1.5% of its own book, then Florida at 0.92%; South Carolina the lowest at 0.42%. The Southeast in aggregate sits at 0.87%.

Where noncurrent loans rose, and where they fellthe change in the rate on 30 June 2025, in basis points; amber rose, navy fell

The rate rose in 3 of 6 states and fell in 3. It rose most in West Virginia (+14 bps) and South Carolina (+1 bps), and fell most in Virginia (-16 bps).

Where borrowers are going late, by loan categorythe noncurrent rate on each category a year ago and now, every bank in the Southeast summed; the widest rise first; from Schedule RC-N as FDIC serves it; a small category moves on a few loans

Multifamily loans deteriorated the most, +38 bps to 1.00% noncurrent; auto +15 bps to 0.81%. 6 of the 11 categories improved. The highest rate outright among the categories that matter to the book is credit card at 1.71%.

The delinquency ladder by categoryeach category's balance and the share of it 30 to 89 days past due, 90 days or more and still accruing, and on nonaccrual; noncurrent is the last two together, with its change on a year earlier

Category	Balance	30 to 89	90+	Nonaccrual	Noncurrent	YoY
Construction & land	$65.5B	0.16%	0.02%	0.41%	0.43%	-31 bps
Multifamily	$61.1B	0.24%	0.06%	0.94%	1.00%	+38 bps
Nonfarm nonresidential	$334B	0.27%	0.07%	1.16%	1.23%	-30 bps
1-4 family residential	$519B	0.65%	0.27%	0.79%	1.06%	+8 bps
Home equity lines	$58.5B	0.40%	0.03%	1.02%	1.06%	-6 bps
Commercial & industrial	$570B	0.22%	0.09%	0.82%	0.91%	+8 bps
Consumer	$573B	1.96%	1.09%	0.25%	1.33%	-3 bps
Credit card	$360B	1.68%	1.71%	0.00%	1.71%	-11 bps
Auto	$160B	2.96%	0.00%	0.81%	0.81%	+15 bps
Agricultural production	$2.6B	0.15%	0.00%	0.12%	0.12%	-22 bps
Farmland	$9.2B	0.75%	0.12%	0.82%	0.94%	+6 bps
All loans and leases	$2.78T	0.64%	0.31%	0.57%	0.87%	-4 bps

The noncurrent rate by category since 2008each category's noncurrent share of its own balance, quarterly, every bank in the Southeast summed; bold, the category rising most this year

Multifamily peaked at 8.8% in 2009 and stands at 1.00% now, 11% of that peak. The scale of the last cycle is the point of the chart: every category's rate today sits against where it went then.

Loans, year over year, by state30 June 2026 against a year earlier on the banks filing at both dates; no better direction

Georgia grew fastest at +14.1%; 5 states grew faster than 5% and 0 shrank, Virginia the most at +2.8%.

Commercial real estate, share of loans, by stateconstruction, multifamily and non-owner-occupied nonresidential over loans, every bank in the state summed, 30 June 2026

West Virginia is the most CRE-weighted at 34.2% of loans, then Georgia at 33.0%; 4 states sit above 30%, against 11.9% in aggregate.

Early delinquency: 30 to 89 days past due, by stateloans 30 to 89 days past due and still accruing, over loans, every bank in the state summed, 30 June 2026; the leading edge of the ladder

Virginia has the most loans in the early bucket at 1.57%; the aggregate is 0.64%. Loans here are a quarter or two ahead of the noncurrent figure above, which is why the two maps are read together.

What the Southeast' banks lendthe loan book of every bank summed by category as filed, 30 June 2026

Other loans and leases (nondepository financials, foreign, leases) is the largest category at 21.6% of $2.78T in loans, then Commercial & industrial at 20.5% and 1-4 family residential, closed-end at 16.6%.

Who holds the Southeast' bank assetseach institution's share of the $5.07T the region's 384 hold; the largest first, amber in the catalogue

Bank of America N.A. holds 52.3% of the total; the five largest hold 84%, and 102 of the 384 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve

84% of the assets sit in 1.3% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

The consolidation: banks filing since 2008the count of banks filing each quarter from the Southeast; assets at the ends in the read

1,056 banks filed in 2008 Q1 holding $3.15T; 384 file now holding $5.07T. 64% fewer charters hold 61% more in assets.

Noncurrent loans since 2008every bank in the Southeast summed, quarterly

The rate peaked at 6.67% in 2010 and stands at 0.87%, 13% of that peak.

Loans, year over year: banks over $1B30 June 2026 against a year earlier; the fastest fifteen; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 102 · amber, in the catalogue

American Pride Bank (Georgia) grew fastest at +93.9%; the median among banks over $1B is +7.5%. A jump this size is usually an acquisition or a charter's first full year, both visible in the institution's own filing.

Commercial real estate, share of loans: banks over $1B30 June 2026; construction, multifamily and non-owner-occupied nonresidential; the fifteen heaviest; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 102 · amber, in the catalogue

American Pride Bank (Georgia) is the most CRE-weighted at 74.7% of loans; 13 of the 102 are above half the book.

Nonperforming loans, share of loans: banks over $1B30 June 2026; the fifteen highest, as each filed; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 102 · amber, in the catalogue

Newtek Bank National Association (Florida) carries the highest rate at 7.19%; 8 of the 102 are above 2%, and the median is 0.40%. A rate is a filed fact, not a finding; the allowance beside it and the trend behind it are on the institution's own page where it is in the catalogue.

Loans to deposits: banks over $1B30 June 2026; the fifteen highest; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 102 · amber, in the catalogue

8 of the 102 lend more than they hold in deposits, Metro City Bank (Georgia) the furthest at 112%; the median is 87%.

Return on assets: banks over $1B30 June 2026; the fifteen highest; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 102 · amber, in the catalogue

Newtek Bank National Association (Florida) earns the most at 4.14%; 5 of the 102 earn under 0.50%, and the median is 1.22%.

Every state, 30 June 2026largest first; navy, the stronger half of each column; amber, the weaker; darker at the ends; growth on the institutions filing at both dates

State	Banks	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	YoY	30 to 89 days	ROA, median	Equity / assets
North Carolina	38	$3.50T	+5.7%	7.3%	63%	0.73%	-0 bps	0.37%	1.07%	9.5%
Virginia	56	$1.00T	+2.8%	12.0%	80%	1.32%	-16 bps	1.57%	1.22%	13.8%
Florida	82	$347B	+8.7%	30.9%	87%	0.92%	-6 bps	0.30%	1.00%	10.7%
Georgia	124	$105B	+14.1%	33.0%	83%	0.64%	+1 bps	0.54%	1.53%	12.1%
South Carolina	44	$65.7B	+7.4%	30.7%	81%	0.42%	+1 bps	0.28%	1.08%	10.9%
West Virginia	40	$51.7B	+5.2%	34.2%	86%	0.74%	+14 bps	0.45%	1.09%	13.0%

Five years, 2021 to 2026the 374 institutions filing at both dates; dollars as growth, ratios in points

	2021	2026	Change
Loans, in total	$1.81T	$2.78T	+53%
Deposits, in total	$3.37T	$4.03T	+20%
NPA / loans, median	0.43%	0.36%	-0.07 pts
Efficiency, median	68.4%	61.7%	-6.8 pts
ROA, median	0.94%	1.22%	+0.28 pts

Credit unions

451 credit unions filing across 6 states · read from the 31 March 2026 NCUA 5300

451

credit unions filing

$570B in assets

+5.0%

Loans, year over year

on the credit unions filing at both dates

5.3%

Member business loans / loans

in aggregate

82%

Loans / shares

in aggregate

1.14%

Delinquent / loans

+8 bps on a year earlier

11.2%

Net worth / assets

in aggregate

The Southeast's 451 credit unions hold $570B in assets at 31 March 2026, across 6 states. Navy Federal Credit Union is the largest at $204B, and the five largest hold 57% of the total; 71 institutions are above $1B, holding $518B. Virginia holds the most, $286B.

Loans grew +5.0% in the year on the credit unions filing at both dates, fastest in Florida at +8.5% and slowest in West Virginia at -0.4%. Delinquent loans are 1.14% of the book, up 8 basis points on a year earlier; the rate rose in 5 states and fell in 1, rising most in Florida (+15 bps) and highest outright in North Carolina at 1.43%.

Member business loans are 5.3% of the book in aggregate, heaviest in Georgia at 12.7%. The credit unions lend 82% of their shares, and net worth is 11.2% of assets.

Delinquent loans, share of loans, by stateevery credit union in the state summed, 31 March 2026; loans 60 days or more past due, over loans; darker is higher

North Carolina carries the highest rate at 1.43%, 62% of it one institution, State Employees' at 1.4% of its own book, then Virginia at 1.36%; Georgia the lowest at 0.62%. The Southeast in aggregate sits at 1.14%.

Where delinquency rose, and where it fellthe change in the rate on 31 March 2025, in basis points; amber rose, navy fell

The rate rose in 5 of 6 states and fell in 1. It rose most in Florida (+15 bps) and North Carolina (+12 bps), and fell most in West Virginia (-2 bps).

Loans, year over year, by state31 March 2026 against a year earlier on the credit unions filing at both dates; no better direction

Florida grew fastest at +8.5%; 3 states grew faster than 5% and 1 shrank, West Virginia the most at -0.4%.

Member business loans, share of loans, by stateevery credit union in the state summed, 31 March 2026

Georgia carries the most commercial lending at 12.7% of loans; the aggregate is 5.3%.

Who holds the Southeast' credit union assetseach institution's share of the $570B the region's 451 hold; the largest first, amber in the catalogue

Navy Federal Credit Union holds 35.7% of the total; the five largest hold 57%, and 71 of the 451 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve

57% of the assets sit in 1.1% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

The consolidation: credit unions filing since 2022the count of credit unions filing each quarter from the Southeast; assets at the ends in the read

517 credit unions filed in 2022 Q1 holding $485B; 451 file now holding $570B. 13% fewer charters hold 17% more in assets.

Delinquency since 2022every credit union in the Southeast summed, quarterly

The rate peaked at 1.51% in 2025 and stands at 1.14%, 76% of that peak.

Loans, year over year: credit unions over $1B31 March 2026 against a year earlier; the fastest fifteen · the 15 highest of 70 · amber, in the catalogue

Addition Financial (Florida) grew fastest at +26.8%; the median among credit unions over $1B is +6.9%. A jump this size is usually an acquisition or a charter's first full year, both visible in the institution's own filing.

Member business loans, share of loans: credit unions over $1B31 March 2026; the fifteen heaviest · the 15 highest of 71 · amber, in the catalogue

Freedom First (Virginia) carries the most commercial lending at 53.2% of loans.

Delinquent loans, share of loans: credit unions over $1B31 March 2026; the fifteen highest, as each filed · the 15 highest of 71 · amber, in the catalogue

Civic (North Carolina) carries the highest rate at 5.04%; 2 of the 71 are above 2%, and the median is 0.65%. A rate is a filed fact, not a finding; the allowance beside it and the trend behind it are on the institution's own page where it is in the catalogue.

Loans to shares: credit unions over $1B31 March 2026; the fifteen highest · the 15 highest of 71 · amber, in the catalogue

6 of the 71 lend more than they hold in shares, Self-help (North Carolina) the furthest at 121%; the median is 85%.

Return on assets: credit unions over $1B31 March 2026; the fifteen highest · the 15 highest of 71 · amber, in the catalogue

S. C. State (South Carolina) earns the most at 2.05%; 23 of the 71 earn under 0.50%, and the median is 0.65%.

Every state, 31 March 2026largest first; navy, the stronger half of each column; amber, the weaker; darker at the ends; growth on the institutions filing at both dates

State	Filers	Assets	Loans YoY	MBL / loans	Loans / shares	Delinquent	YoY	ROA, median	Net worth
Virginia	95	$286B	+3.6%	2.4%	83%	1.36%	+6 bps	0.56%	11.1%
Florida	107	$125B	+8.5%	10.3%	84%	0.68%	+15 bps	0.53%	10.7%
North Carolina	57	$91.7B	+3.8%	4.5%	77%	1.43%	+12 bps	0.58%	11.0%
Georgia	72	$37.6B	+6.6%	12.7%	79%	0.62%	+5 bps	0.63%	12.6%
South Carolina	46	$24.6B	+5.7%	6.5%	82%	0.74%	+2 bps	0.85%	13.0%
West Virginia	74	$5.3B	-0.4%	2.5%	62%	0.86%	-2 bps	0.78%	14.0%

Small-business lending

SBA 7(a) approvals into the Southeast since FY2008, across every lender type

$74.4B of 7(a) credit has been approved into the Southeast since FY2008 across 140,314 loans. Accommodation & food services is the largest category at 20.1%, Retail trade at 12.8%, Health care & social assistance at 12.1%; the three together are 45% of the money. The heaviest losses fall in Administrative & waste services, at 3.51% of approvals charged off.

7(a) lenders in the Southeast, share of approvalssince FY2008, 849 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue

What the Southeast' 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest

The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike

Industry	Approved	Loans	Share	Charged off	Loss rate
Accommodation & food services	$14.9B	18,749	20.1%	$267M	1.79%
Retail trade	$9.6B	18,011	12.8%	$247M	2.58%
Health care & social assistance	$9.0B	14,961	12.1%	$137M	1.53%
Professional & technical services	$6.0B	15,401	8.0%	$135M	2.27%
Other services	$5.9B	13,269	7.9%	$124M	2.10%
Construction	$5.3B	13,686	7.1%	$130M	2.46%
Manufacturing	$5.3B	8,160	7.1%	$131M	2.50%
Wholesale trade	$4.4B	7,310	6.0%	$95M	2.13%
Arts, entertainment & recreation	$2.6B	4,632	3.5%	$67M	2.59%
Administrative & waste services	$2.6B	8,030	3.4%	$90M	3.51%
Agriculture, forestry & fishing	$2.1B	2,259	2.9%	$19M	0.87%
Real estate & leasing	$2.0B	3,194	2.6%	$28M	1.41%

The largest state marketsapprovals since FY2008 and how many lenders have written there

State	Approved	Loans	Lenders
Florida	$29.1B	59,969	528
Georgia	$19.8B	29,314	409
North Carolina	$12.0B	21,683	326
Virginia	$7.3B	16,891	332
South Carolina	$5.3B	9,411	275
West Virginia	$903M	3,046	141

The other regions Great Lakes · Mid-Atlantic · Mountain West · New England · Pacific · Plains · South Central · Southwest

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any Southeast institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 8 September 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; Schedule RC-N past-due detail via the FDIC; SBA 7(a) release
Cohort every institution filing in the Southeast

Computed from each institution's own filing as published; aggregates are dollar-weighted sums across the filers, medians unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.

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