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SouthEast Bank
Farragut, TN·FDIC Cert #57348·Charter: STATE·Est. 20020429.0·HC: EDUCATION LOAN FINANCE INC
Total Assets
$3.5B
Q4 2025
Return on Assets
0.68%
-0.01%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
71.37%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
47
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.68%-0.01
ROE
8.17%-0.10
Efficiency
71.37%+1.82
Equity/Assets
0.00%+0.00
NPL Ratio
3.45%+0.13
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
95.65%-0.94
Charge-offs
0.10%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.8 | 1.1 | 1.0 | 0.9 | 0.6 | 0.7 | 0.7 | 0.7 |
| ROE | 10.2 | 12.4 | 11.6 | 10.8 | 7.5 | 8.2 | 8.3 | 8.2 |
| Efficiency | 67.5 | 60.5 | 60.7 | 67.9 | 74.0 | 70.1 | 69.6 | 71.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 2.6 | 2.6 | 2.7 | 2.3 | 3.7 | 3.3 | 3.3 | 3.4 |
| Charge-offs | 0.2 | 0.3 | 0.3 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 95.4 | 92.2 | 93.8 | 92.4 | 94.5 | 95.9 | 96.6 | 95.7 |
Balance Sheet
Total Assets$3.5B
Total Deposits$3.1B
Total Loans$3.0B
Total Equity$292.4M
Profitability
ROA0.68%
ROE8.17%
Efficiency Ratio71.37%
Net Income$22.6M
Risk & Asset Quality
NPL Ratio3.45%
Charge-off Rate0.10%
Loan/Deposit95.65%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans