# SOUTHEASTERN BANK
DARIEN, GA · FDIC certificate 5685 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $624.9M | |
| Deposits | $544.1M | |
| Loans and leases | $431.7M | |
| Total equity | $77.3M | |
| Loans / deposits | 77.61% (p40 of band) | 82.04% |
| Liquid assets / assets | 26.74% (p55 of band) | |
| Uninsured deposits / deposits | 17.32% (p20 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.42% (p82 of band) | 10.81% |
| Unrealized securities loss / equity | -15.02% (p31 of band) | -8.10% |
| AOCI / equity | -0.22% (p58 of band) | |
| ROA (annualized) | 1.71% (p76 of band) | 1.28% |
| Net interest margin | 4.90% (p92 of band) | 3.91% |
| Efficiency ratio | 55.03% (p31 of band) | |
| Noncurrent loans | 0.38% (p47 of band) | 0.43% |
| Net charge-offs (annualized) | -0.02% (p4 of band) | |
| Reserve coverage of noncurrent | 578.95% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 78.04% (p77 of band) | |
| Auto loans | $5.2M (1.20% of loans; DQ 2.27%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.0% | |
| Employees | 112 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 | losing money | charge-offs p90 |
| 2011-09 | 5 | charge-offs p90 |  |
| 2011-12 | 7 | capital falling, expense ratio p90 |  |
| 2012-03 | 6 |  | charge-offs p90 |
| 2012-06 | 8 | charge-offs p90, assets shrinking |  |
| 2012-09 | 8 | deposits shrinking | capital falling |
| 2012-12 | 6 |  | assets shrinking, deposits shrinking |
| 2013-03 | 5 | deposits shrinking, assets shrinking | losing money, expense ratio p90, charge-offs p90 |
| 2013-06 | 5 |  |  |
| 2013-09 | 5 |  |  |
| 2013-12 | 5 |  |  |
| 2014-03 | 5 | capital falling, expense ratio p90 | deposits shrinking, assets shrinking |
| 2014-06 | 4 |  | construction >100% equity |
| 2014-09 | 2 |  | capital falling, expense ratio p90 |
| 2014-12 | 4 | expense ratio p90, charge-offs p90 |  |
| 2015-03 | 2 |  | expense ratio p90, charge-offs p90 |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 | capital falling | noncurrent p90, reserve under noncurrent |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2019-06 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 | securities losses >30% of equity | capital falling |
| 2022-09 | 2 | AOCI drag >20% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | securities losses >30% of equity |
| 2024-03 | 2 | securities losses >30% of equity | deposits shrinking, assets shrinking |
| 2024-06 | 2 | deposits shrinking | securities losses >30% of equity |
| 2024-09 | 1 |  | deposits shrinking |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | uninsured deposits leaving |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-07 [Southeastern Bank Reaches $500,000 Milestone Supporting Camden Campus - Southeast Georgia Health System](https://news.google.com/rss/articles/CBMipwFBVV95cUxOYTMzZlFvYlB4Rzl0bTNvUU4yMG1KT1VtN1VFMWZGUUdQZXlFaFAweDEtU20zTjJUSXQ5MUJQTGFObnpKNVc4NlRKQWlVb1BCSDhwUFU0MDhJS1NYaU5DaUh4Qi1FazdUTDdqXzdkdDRjdEZaVXEydURFdzFWYkE3cjV0TTVic1k0em16amlvNmVQbktrWFpNMnJ6eUFpQS1tZmZJN2FWcw?oc=5) · Southeast Georgia Health System
- 2018-12-04 [Bank believes in old-fashioned service - Coastal Illustrated](https://news.google.com/rss/articles/CBMimAFBVV95cUxQVFBKM3lobi1JRlhEbjdkbTZqamN2cWJnSTVGNGc5WFNuSklwZXE5RjlPcGpaN29hcnNIWUNuLU1UcnlxVWJGS20zSWJyNk9aNjlaVVB4cURScGRuS3hLTWxLa1F3aGp1aFg1TThSeWZEZWRhMy1oZWdtQy1PMHg5VUU2T2NGS2dhaDU5RkJSaGxtcFN6UndkMw?oc=5) · Coastal Illustrated
- 2013-01-23 [Bowers joins Southeastern Bank - Savannah Morning News](https://news.google.com/rss/articles/CBMimAFBVV95cUxOeXdfNldvZWZJMDl1M2xYOXNWYmlaLTE1S0JFeUx5ZUtoR0dKV2ducjFpLXlXazBjQ2JZbnUyZFRmWFRLQkZHRUdvQUdCRzM5N3ljbjU0RVd5LXpKa3NVUkU2VFNpdk1kbU9vTUlwS3FaS2NFV3k0WlFfZ1BaSENGTDVTbGU2ZUdyOVNTSjQyLXFocUUzWDU4cg?oc=5) · Savannah Morning News
- 2016-06-17 [Augusta’s Georgia Bank & Trust merging with Columbia-based bank - WJBF](https://news.google.com/rss/articles/CBMikAFBVV95cUxPNjJMMTl6TlEwQUNCeWxBMk1MWUkzRFltdW9PcnpyOG1oRHhpMHY5Z0FDX3ZmVVhwUGY3NVJmdFR1bnphWUlJREtMdzRiY01PQmxIclBZNkRLRE95THRsR29PZDVHdlV5TEhzT29PSHZKSE84WmptZldoNHF5WXRZc3JPV3VqUWthMDRvQ3ZtUmnSAZYBQVVfeXFMTVBQZ1JRaDNKRVhQQkJyeWFXbzVTcVl2SzAweGVsTmFkeXM5MU83cTNjcE5COEFLY0wxNnk2a2FkaW5penRWUzNHSlduaUFsWVk1UndSV3lBSWNGVTBLeTdPS0VwLVJrd2ZKM094VGJlZkY1UExhbGF6dW1PSl9IMUtreHNrOWFIanFEM2h4NmF0QVlXVmtB?oc=5) · WJBF
- 2016-06-17 [UPDATE | Layoffs looming in Georgia Bank & Trust merger with South State Bank - WRDW](https://news.google.com/rss/articles/CBMingFBVV95cUxOM3NXWWRPVmlEVlBYUTR4ZTVCbDB1eHFKUlBFVHVJYUNKci15NDVOTFFfTDlTVllheWFtV0pwemgzcW5UWFhjQnVXTnVrRFI5Mmc1NkF0LVc0MDc2cnp0QTVNVEpLYUc4Q3RPQlF2ZzdnTG13bWM5cDFDa1p4NEtlRVlhT2RVcnZrMll4WkhrbDBCb0ZscEV2czlSdTdpZw?oc=5) · WRDW
- 2014-04-24 [Georgia Bank & Trust has new president, board chairman - The Augusta Chronicle](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPQXFZRGhWV2RXLUpHTkFxS3VRVkZrZXEyM2d4NGRpcjNCbXpuSklrSHdxZ2RHNFgyS0lRVTlRUVNRRUpUMEpoelhVWk56OUNTYlhKNmtHaUVkMFJ5ckEyTEx6eDZ6RXEyV1VnZndTQWVab0xYb1FjaFgzNmZCelRtU2hIR2NSZUc4X3hvVWEzQ0NMYmRfV2tlY0xjWk1YTnp5QWxWczNvMmhYZjdaWG1Xd1ZMSFZoSHJuLVF3UExlTDM?oc=5) · The Augusta Chronicle
- 2022-04-27 [Jailed SC lawyer Alex Murdaugh fronted $110K for a funeral home in 2020, documents show - Hilton Head Island Packet](https://news.google.com/rss/articles/CBMidkFVX3lxTE83M04zVzlrdEd5YldObkFVY0JpNV9fTWhTOUJEQ0F2Z29INlBXZklvOGxhQ2JjaFE0TzF3U3VtT21HbXNGcVdBdS1sRzFvOFVfRVVBN2VhX1RPR0hXZndZeHpCRmxCX1QxMnp1RGFnemFfM1BhckE?oc=5) · Hilton Head Island Packet
- 2025-11-23 [Marvin Pipkin Obituary - Brunswick, GA - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxQaGZ5Xy1JNi1RWUxRQjJObWs3akJWaGdORVByRU5BdXkybFlYYU5CR0w2azlQak9ZdlJTUTlZYTFITGdyRmlILW9QSlV1VVlWa2xvUHJJWUtzbUFzMEVYTUxRcVVWT180RjhJM1Uta3dGdW5sVjNDbFZIYkQzWF91ZlBZUEM?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5685 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/53.json (key "5685", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide