Southeast First National Bank (FDIC certificate #19819) is based in Summerville, Georgia. Its Q2 2026 call report shows $74.9M in total assets and $66.0M in deposits and 3 offices across 2 states.
Based on its Q2 2026 filing, Southeast First National Bank scores 74/100, which we describe as strong. That is higher than 51% of 546 banks with under $100 million in assets. Among 124 banks headquartered in Georgia, it ranks 68th. Its strongest component is problem-loan coverage (100/100; 0.1%), and its lowest is earnings (52/100; 0.80%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 13 points (87 → 74), mostly because the earnings component weakened by 48 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 73 |
| Q4 2024 | 75 |
| Q1 2025 | 90 |
| Q2 2025 | 87 |
| Q3 2025 | 84 |
| Q4 2025 | 79 |
| Q1 2026 | 75 |
| Q2 2026 | 74 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.20% |
| Q3 2024 | 12.42% |
| Q4 2024 | 12.60% |
| Q1 2025 | 12.86% |
| Q2 2025 | 12.34% |
| Q3 2025 | 12.58% |
| Q4 2025 | 12.15% |
| Q1 2026 | 11.63% |
| Q2 2026 | 11.67% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.26% |
| Q3 2024 | 0.04% |
| Q4 2024 | 0.15% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.03% |
| Q1 2026 | 0.02% |
| Q2 2026 | 0.06% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.09% |
| Q3 2024 | 0.18% |
| Q4 2024 | 0.53% |
| Q1 2025 | 3.51% |
| Q2 2025 | 2.00% |
| Q3 2025 | 1.59% |
| Q4 2025 | 1.20% |
| Q1 2026 | 0.88% |
| Q2 2026 | 0.80% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $74.9M | 11.67% | 0.06% | 0.80% | 28.2% |
| Q1 2026 | 75 | $73.4M | 11.63% | 0.02% | 0.88% | 31.4% |
| Q4 2025 | 79 | $70.4M | 12.15% | 0.03% | 1.20% | 33.1% |
| Q3 2025 | 84 | $69.1M | 12.58% | 0.00% | 1.59% | 32.5% |
| Q2 2025 | 87 | $68.4M | 12.34% | 0.00% | 2.00% | 31.8% |
| Q1 2025 | 90 | $67.6M | 12.86% | 0.00% | 3.51% | 29.5% |
| Q4 2024 | 75 | $60.8M | 12.60% | 0.15% | 0.53% | 32.6% |
| Q3 2024 | 73 | $63.2M | 12.42% | 0.04% | 0.18% | 33.2% |
| Q2 2024 | 70 | $60.9M | 12.20% | 0.26% | 0.09% | 33.5% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Apex Banking Company of GeorgiaBank Cleveland, GA | 70 out of 100, Strong | $72.6M | 9.7% | 0.03% | vs |
| The Security State BankBank Mcrae, GA | 91 out of 100, Very strong | $70.5M | 14.1% | 0.59% | vs |
| The Bank of EdisonBank Edison, GA | 60 out of 100, Moderate | $83.9M | 9.1% | 1.79% | vs |
| Bank of Hancock CountyBank Sparta, GA | 81 out of 100, Strong | $85.2M | 20.2% | 0.82% | vs |
| Rochelle State BankBank Rochelle, GA | 29 out of 100, Low | $85.6M | 8.0% | 3.40% | vs |
| First State Bank of Randolph CountyBank Cuthbert, GA | 27 out of 100, Low | $86.9M | 8.3% | 4.53% | vs |
Deposit insurance
Is my money safe at Southeast First National Bank?
Yes. Southeast First National Bank is an FDIC-insured institution (FDIC certificate #19819). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 50.9% of deposits ($33.6M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.67%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Southeast First National Bank lists 3 offices in 3 cities across 2 states. Most locations:
- Panama City, FL (1)
- Summerville, GA (1)
- Trion, GA (1)
HMDA 2025
Mortgage lending
In 2025, Southeast First National Bank reported 27 home-loan applications under HMDA (LEI 2549006WPD8JIY1AFO12): 27 originated ($3,295,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Southeast First National Bank
- Former names
- First National Bank of Chattooga County; First National Bank of Trion
- Type
- National bank
- FDIC certificate #
- 19819
- RSSD ID
- 563934
- Primary regulator
- OCC
- Holding company
- Summerville Trion Bancshares
- Established
- May 22, 1968
- Headquarters
- 10144 Commerce St, Summerville, GA 30747
- Website
- www.southeastfnb.com
- Employees
- 18
Quick answers
Southeast First National Bank: common questions
Is Southeast First National Bank FDIC insured?
Yes. Southeast First National Bank is an FDIC-insured institution (FDIC certificate #19819). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Southeast First National Bank's TellerScore?
74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Southeast First National Bank ever failed?
There is no failure record for FDIC certificate #19819 in the FDIC failed bank list.
How many branches does Southeast First National Bank have?
3 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Summerville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Rome Kraft Employees Credit UnionCredit union Coosa, GA | 89 out of 100, Very strong | $23.0M | 24.7% | 0.49% | vs |
| Walker County Educators Federal Credit UnionCredit union Chickamauga, GA | 87 out of 100, Very strong | $15.1M | 24.8% | 0.03% | vs |
| First State Bank of DeKalb CountyBank Fort Payne, AL | 86 out of 100, Very strong | $353.8M | 14.1% | 0.84% | vs |
| Nucor Employees Federal Credit UnionCredit union Fort Payne, AL | 86 out of 100, Very strong | $2.2M | 30.7% | 0.00% | vs |
| First National Community BankBank Chatsworth, GA | 84 out of 100, Strong | $754.7M | 12.9% | 0.43% | vs |
| River City BankBank Rome, GA | 77 out of 100, Strong | $423.4M | 10.1% | 0.00% | vs |