Southeast First National Bank
Summerville, GA
IDRSSD: 563934
Total Assets
$69.11M
Latest filing
Total Deposits
$60.03M
Latest filing
Net Interest Margin
3.52%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Southeast First National Bank
10144 Commerce St
Summerville, GA 30747
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/22/1968FDIC Certificate 13612
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Southeast First National Bank (Main) | 10144 Commerce St | Summerville, GA |
| TRION BRANCH | 240 Central Ave | Trion, GA |
| HUTCHISON BOULEVARD BRANCH | 12720 Hutchison Blvd | Panama City, FL |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 05/22/1968 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30747 |
| State and County Number | 13055 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Summerville, GA |
Operational Info
| Number of Employees | 16 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 05/22/1968 |
| Primary Insurance Agency | DIF |
| Website | WWW.SOUTHEASTFNB.COM |
| Data Updated | 11/14/2025 |
| CERT | 19819 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $69.11M |
| Total Deposits | $60.03M |
| Total Liabilities | $60.54M |
| Total Equity Capital | $8.57M |
| Net Income | $134.00k |
| Net Loans and Leases | $19.48M |
| Assets Per Employee ($Millions) | $4.61M |
| Bank Premises and Fixed Assets | $1.08M |
| Cash and Balances due from Depository Institutions | $22.71M |
| Deposits Held in Domestic Offices | $60.03M |
Key Performance Ratios
| Return on Assets (ROA) | 0.78% |
| Return on Equity (ROE) | 6.31% |
| Net Interest Margin | 3.52% |
| Efficiency Ratio | 71.48% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.406% |
| Earning Assets to total Assets | 96.92% |
Income and Expense
| Total Interest Income | $766.00k |
| Total Noninterest Income | $23.00k |
| Total Interest Expense | $179.00k |
| Total Noninterest Expense | $436.00k |
| Net Interest Income | $587.00k |
| Pre-tax Net Operating Income | $171.00k |
| Provision for Credit Losses | $3.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $506.00k |
| Total Liabilities and Capital | $69.11M |
Securities
| Securities | $25.54M |
| Available-for-sale debt securities | $1.44M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $24.10M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Southeast First National Bank?
$69.11M as of the latest filing.
How much are Southeast First National Bank's total deposits?
$60.03M in total deposits.
Where is Southeast First National Bank located?
Summerville, GA.
What is the Net Interest Margin?
3.52%.
How many domestic offices does it operate?
3.
When was it established?
05/22/1968.
What is the Return on Assets (ROA)?
0.78%.
How much are total loans and leases?
$19.48M (latest filing).
What is the total interest income (latest filing)?
$766.00k.