# SOUTHEAST BANK
FARRAGUT, TN · FDIC certificate 57348 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $3.58B | |
| Deposits | $3.23B | |
| Loans and leases | $3.12B | |
| Total equity | $307.0M | |
| Loans / deposits | 96.08% (p77 of band) | 87.10% |
| Liquid assets / assets | 8.00% (p3 of band) | |
| Uninsured deposits / deposits | 23.40% (p25 of band) | 30.76% |
| Brokered deposits | 16.03% | |
| Wholesale funding | 16.03% (p82 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.51% (p6 of band) | 10.50% |
| Unrealized securities loss / equity | 0.00% (p97 of band) | -7.75% |
| AOCI / equity | 0.42% (p91 of band) | |
| ROA (annualized) | 0.75% (p17 of band) | 1.26% |
| Net interest margin | 3.37% (p30 of band) | 3.70% |
| Efficiency ratio | 71.34% (p82 of band) | |
| Noncurrent loans | 2.66% (p95 of band) | 0.51% |
| Net charge-offs (annualized) | 0.08% (p73 of band) | |
| Reserve coverage of noncurrent | 22.06% | |
| Real estate % of loans | 41% | |
| Construction % of loans | 107.67% (p91 of band) | |
| Auto loans | $574,000 (0.02% of loans; DQ 0.35%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 7.8% | |
| Employees | 316 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2012-06 | 2 | assets shrinking | uninsured deposits leaving |
| 2012-09 | 0 |  | deposits shrinking, assets shrinking |
| 2012-12 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2013-03 | 1 |  | NIM <2.5% |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 3 | liquid assets <10%, noncurrent p90 |  |
| 2014-03 | 3 | capital falling | liquid assets <10% |
| 2014-06 | 4 | liquid assets <10% |  |
| 2014-09 | 5 | loans exceed deposits |  |
| 2014-12 | 3 |  | capital falling, loans exceed deposits |
| 2015-03 | 6 | loans exceed deposits, brokered >10%, wholesale funding >15% |  |
| 2015-06 | 7 | capital falling, uninsured deposits leaving | loans exceed deposits |
| 2015-09 | 6 |  | uninsured deposits leaving |
| 2015-12 | 5 |  | liquid assets <10% |
| 2016-03 | 5 | liquid assets <10% | capital falling |
| 2016-06 | 5 |  |  |
| 2016-09 | 5 |  |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 6 | capital falling |  |
| 2017-06 | 6 | loans exceed deposits | capital falling |
| 2017-09 | 5 |  | loans exceed deposits |
| 2017-12 | 5 |  |  |
| 2018-03 | 5 |  |  |
| 2018-06 | 4 | uninsured deposits leaving | brokered >10%, wholesale funding >15% |
| 2018-09 | 3 |  | uninsured deposits leaving |
| 2018-12 | 5 | deposits shrinking, assets shrinking |  |
| 2019-03 | 5 | brokered >10%, wholesale funding >15% | deposits shrinking, assets shrinking |
| 2019-06 | 6 | capital falling |  |
| 2019-09 | 6 | loans exceed deposits | capital falling |
| 2019-12 | 6 |  |  |
| 2020-03 | 6 |  |  |
| 2020-06 | 5 | capital falling | wholesale funding >15%, loans exceed deposits |
| 2020-09 | 6 | loans exceed deposits, wholesale funding >15% | capital falling |
| 2020-12 | 6 | charge-offs p90 | loans exceed deposits |
| 2021-03 | 4 |  | wholesale funding >15%, charge-offs p90 |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 |  | brokered >10% |
| 2021-12 | 3 |  |  |
| 2022-03 | 5 | brokered >10%, capital falling |  |
| 2022-06 | 5 |  |  |
| 2022-09 | 5 | loans exceed deposits | capital falling |
| 2022-12 | 4 |  | brokered >10% |
| 2023-03 | 5 | brokered >10%, wholesale funding >15%, uninsured deposits leaving | liquid assets <10%, loans exceed deposits |
| 2023-06 | 4 | capital falling | wholesale funding >15%, uninsured deposits leaving |
| 2023-09 | 3 | liquid assets <10% | brokered >10%, capital falling |
| 2023-12 | 6 | brokered >10%, wholesale funding >15%, construction >100% equity |  |
| 2024-03 | 7 | capital falling |  |
| 2024-06 | 4 |  | liquid assets <10%, wholesale funding >15%, capital falling |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 |  | construction >100% equity |
| 2025-03 | 5 | wholesale funding >15%, liquid assets <10% |  |
| 2025-06 | 6 | capital falling |  |
| 2025-09 | 6 | construction >100% equity | wholesale funding >15% |
| 2025-12 | 6 | wholesale funding >15% | capital falling |
| 2026-03 | 6 |  |  |
| 2026-06 | 6 |  |  |

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

- 2026-07-12 [SouthEast Bank’s Trevor Bayne Talks Small Business - WATE 6 On Your Side](https://news.google.com/rss/articles/CBMijwFBVV95cUxNQkQ0ZThLME5MenZILVRjZml2U21PdDMzNG95SU9lZXljR2xxZzBPN2ZZYk1xX2FleC1oOHZQSkhuaE03M2lieTJmMTFpQVdRakVmQ0NnWllPeWNHeHBFeFprNHFQcXAxOFFJRnh4S0JGeDFaRGN6d0tDTDNnV2ljNi01RS1wTk04ZHBUaHdzQQ?oc=5) · WATE 6 On Your Side
- 2026-01-13 [SouthEast Bank donates $80K to local student-focused programs in honor of retiring lenders - Knox TN Today](https://news.google.com/rss/articles/CBMiTkFVX3lxTE5ZWHJobnVMeEphTEV1ckNBV1hKWGZNRGlxNDhoaHM3bkNZbXpEUG1wY0lpeFFQSUNjekowUTNlZXZkV3dnWmQ4WkUzOG5NZw?oc=5) · Knox TN Today
- 2026-08-04 [Time's running out to nominate for 40 Under 40, presented by SouthEast Bank - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQTmJxSVdNb0tFN1Z4aENBVnRNOENxTFk5akJ4LXNEdkpSVG12SWljN2VjcUZrSVRkWXpOT25MeDJtWjM5WEsyR1c5ajA4Y1RWeC1tSHV6NFRLTmhyc3lWU0NjUHhFWXdxVEpkdlVBSWlEaEtNS3ZsdEg5UHI5NkppRlRNTmVGLTVHZDNZZjVtQnRuSEVSeDB1NVBwVlFuczNuVVhDVnY2YVBIODU3VE50cVJrMXZmc29IQlpOajVwc2VETUdyWnNVdURUZlVac2RadjhMaWZmSGU?oc=5) · Knoxville News Sentinel
- 2025-12-31 [Bradley Cleveland Public Education Foundation receives donation honoring SouthEast Bank’s retiring city president - Cleveland Daily Banner](https://news.google.com/rss/articles/CBMipwJBVV95cUxPbnNBYXJBZGluX2RuR3RkemJ6ZW9vUEhnOU1wSHNxQjBYZXdkeEZGTlYxSF91d1RWZnQ2djJGYmYyTUtWV3llSWlSVHJMaGNKY3BwOUFUclViN0hZckRUaWNqbWdXamhBdGlrRXNZOWdVYk1hVEFBVk5mVDAxR3FuX0tkTFpSY01vclJodkl0WHZmWVFjcERiS0Jyd21pYWkySlB1UHN1MENNMl9EUmdKeGgycERGb0VIRkZuVmlEWldmOEpuQ1BUVlhrWEprZjkycGEtNi15RzA0YUJ5c2o1LVpnSGJDV2NVTUR4RERjcVZnUlNFbThabGJ4SE5yNzBlbXIyMnRORG1pa1hfUklTbmFTcFFacHRmV0JqNjFWOW55RW93NFk0?oc=5) · Cleveland Daily Banner
- 2025-09-26 [SouthEast Bank Fall Celebration Saturday, Sept. 27 with Special Guest Trevor Bayne! - WATE 6 On Your Side](https://news.google.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?oc=5) · WATE 6 On Your Side
- 2023-12-21 [SouthEast Bank (TN) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMigAFBVV95cUxOZ0NBdEtZUWtaaXUxYng0RHFMLUJJR3I1OWJlTHJJWTF6Wlg2WVJ0NkY4amxCU1dBWmppcnQ1SmdzMnhwUGR6bDFnUTVXVVdyNDBjaTUya3czeERnXzRoLUQ5SjFvRG8zeHBqSzNrRkZZZDBpVU51YlRmNUJIQnRmVQ?oc=5) · SmartAsset
- 2021-07-14 [New noble steed: SouthEast Bank gifts Horse Haven truck after interstate breakdown - WBIR](https://news.google.com/rss/articles/CBMihgJBVV95cUxQZUhaalZfVjFpby1KQXJqdzFMb216RG5FdVQtUWpBUTBiYUhLVXZLd1ZmWXNqWWFrYml5VXFYQVdCdVVOd19fak9YSGZpV0FVdFFENGx1ZDBuMkd4dlliSWtWbEkyTVlDZTdubzRPQWZfaFE0amJJVEdMLVhSNVE1RnA4VENOSmZqT3RxNUJUWDRQOVFyTVVmSTBtN21LNkI0Snd4YW14Zk9uenBHQ2czVWxiX3BTODNyUFl5eG4yZVdtTGE0QXZ2QWpmTm5SMUtUeVBvR0t5RVBrVVhoOW9HWWpXQ1NNaUpHRHVpbWpnRDlQeUZ2T0xhVlh0TklEelZYVU5WaHZR?oc=5) · WBIR
- 2025-07-31 [2 Southeast bank branches will merge next year. What it means for SC customers - Hilton Head Island Packet](https://news.google.com/rss/articles/CBMiggFBVV95cUxPVWdUMEJuWmVoRW1OenBlNGhNVHhodFdzcEhtUDFZQjM0TXlWdG9RQjNYVDNUV1FEM2s1Rm5mUmpmblVQVGs0QklYbjBmSmw5VkVtT2dPYTYtTm1ycnpyR1NDSW5mMEFrUjMxN1IzM0RsWE1ZZ3JuZ3g0VjJLU2hPanN30gGCAUFVX3lxTE9VZGxfYnlVOG1rOXUtYXpKOGhoUUtrRUtoeElhTVpEZVF3QlM2MkpRTGhWT3EzRjdlZkVFYXZ6NTBXREVtZDFiMHdPcFVqM1dWNU9IWE03Qm9ZR1dXNk0zb1dKa2YwdGZ5VmFrNVlDUWd1X1NCUXFBbjhHUUh0UnF1aHc?oc=5) · Hilton Head Island Packet

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57348 (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/4.json (key "57348", 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.

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