Southeast Bank
Farragut, Tennessee · $3.58B in assets · beside the 11 other the South Central states banks between $3B and $10B (the state alone holds too few in the band to rank)
The filing
Southeast Bank is the ninth largest of the 12 the South Central states banks nearest its size between $3B and $10B, with $3.58B in assets at 30 June 2026. Loans are 96.6% of deposits, 11th of 12 against a median of 87.3%, and equity is 8.6% of assets, 7th of 12. Loans grew +8.0% in the year, 5th of 12, and deposits grew 7.8%; the cohort's median loan growth is +6.2%.
Noncurrent loans are 2.66% of the book, the highest in the cohort against a median of 0.70%; 2.20% is 30 to 89 days past due, and the allowance covers them 0.2 times. Commercial real estate is 24.0% of loans, 2nd of 12 against a median of 32.0%, and 231% of capital, below the 300% screen, with construction at 102% against the 100% screen. CRE has grown +70.4% over 36 months, past the guidance's 50% prong.
Return on assets is 0.74%, 10th of 12 against a median of 1.16%, on an efficiency ratio of 71.4%, 10th of 12. Five years ago it was 0.92%. The question is where the nonperforming loans sit by category, and whether the allowance and the capital behind them hold under a loss path.
Commercial real estate against capital
| Southeast Bank | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | 231% | 7th of 12 | 225% |
| Construction against capital, the 100% screen | 102% | 11th of 12 | 60% |
| Construction and land development, share of loans | 10.6% | 10th of 12 | 9.5% |
| Non-owner-occupied nonfarm nonresidential, share of loans | 11.9% | 3rd of 12 | 17.0% |
| Total CRE, the guidance definition, share of loans | 24.0% | 2nd of 12 | 32.0% |
| CRE growth over 36 months, the third prong | +70.4% | 12th of 12 | +29.4% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
| $4.01B | 1.3% | 69.7% | 0.21% | -0.03% | 1.0% | 96.6% | 12.5% | |
| $3.89B | 0.4% | 68.9% | 2.30% | 1.33% | 1.9% | 50.9% | 6.7% | |
| $3.86B | 1.1% | 74.0% | 1.60% | 0.42% | 1.8% | 85.2% | 8.4% | |
| $3.85B | 1.2% | 63.3% | 0.63% | 0.02% | 1.2% | 95.2% | 11.5% | |
| $3.83B | 1.1% | 64.1% | 0.12% | 0.00% | 1.0% | 70.5% | 8.3% | |
| $3.70B | 0.4% | 85.2% | 0.17% | 0.14% | 1.3% | 81.2% | 8.4% | |
| $3.63B | 1.3% | 56.2% | 0.31% | 0.14% | 1.0% | 102.8% | 7.8% | |
| $3.60B | 1.4% | 59.3% | 0.95% | 0.06% | 1.2% | 90.3% | 13.6% | |
| $3.58B | 0.7% | 71.4% | 2.66% | 0.09% | 0.6% | 96.6% | 8.6% | |
| $3.31B | 1.5% | 53.7% | 0.11% | 0.01% | 1.1% | 77.8% | 11.3% | |
| $3.31B | 1.1% | 65.3% | 0.77% | 0.10% | 1.3% | 80.3% | 13.3% | |
| $3.16B | 1.4% | 58.5% | 1.32% | 0.18% | 1.3% | 89.4% | 9.2% |
| Southeast Bank | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $1.88B | $3.12B | +66% | $1.74B | $2.75B | +58% |
| Deposits | $1.97B | $3.23B | +64% | $2.30B | $3.10B | +35% |
| NPA / loans | 4.21% | 2.66% | -1.55 pts | 0.82% | 0.70% | -0.12 pts |
| Efficiency | 62.6% | 71.4% | +8.7 pts | 63.8% | 64.7% | +1.0 pts |
| ROA | 0.92% | 0.74% | -0.18 pts | 1.09% | 1.16% | +0.07 pts |
This read was prepared for Southeast Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.
The full pack on Southeast Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.
Ask for the packPrepared 7 September 2026
Filing 30 June 2026
Cohort South Central states banks $3B to $10B
Institution www.southeastbank.com
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