Southeastern Bank (FDIC #5685): Bank Stress & Real-Estate Credit Exposure
Southeastern Bank (FDIC Cert #5685): bank stress 48/100, moderate, STABLE over 7 days; parent SOUTHEASTERN BANKING CORP.
Southeastern Bank (#5685) lends in 8 counties across 2 states; Southeastern Bank (#5685) reaches 43 ZIP codes: Georgia 7 counties, 37 ZIPs; Florida 1 county, 6 ZIPs.
Southeastern Bank (#5685) largest markets: Liberty County, GA (10 branches, 10 ZIPs) (#5685), Glynn County, GA (18 branches, 9 ZIPs) (#5685), Camden County, GA (8 branches, 8 ZIPs) (#5685), Nassau County, FL (12 branches, 6 ZIPs) (#5685), Brantley County, GA (6 branches, 6 ZIPs) (#5685), Mcintosh County, GA (8 branches, 4 ZIPs) (#5685).
Southeastern Bank (#5685) reports $624.9 million in total assets; Southeastern Bank (#5685) equity $77.3 million (12.4% of Southeastern Bank (#5685) assets); Southeastern Bank (#5685) domestic deposits $544.1 million; Southeastern Bank (#5685) net income $5.3 million; Southeastern Bank (#5685) return on assets 1.71%; Southeastern Bank (#5685) return on equity 14.06%; Southeastern Bank (#5685) net interest income $14.3 million; Southeastern Bank (#5685) call report June 30, 2026.
Southeastern Bank (#5685) noncurrent real-estate loans: none reported; Southeastern Bank (#5685) net charge-offs on real estate 0.23%; Southeastern Bank (#5685) residential charge-offs 0.11%.
Southeastern Bank (#5685) net interest margin 4.90% against an eight-quarter Southeastern Bank (#5685) average of 4.75% (Southeastern Bank (#5685) compression -0.15 points); Southeastern Bank (#5685) non-residential real estate 10.6% of equity; Southeastern Bank (#5685) rate-exposure score 40/100, Southeastern Bank (#5685) fixed-rate trap 40/100; Southeastern Bank (#5685) risk type credit driven; Southeastern Bank (#5685) rate regime rates elevated, Southeastern Bank (#5685) snapshot October 19, 2026.
Southeastern Bank (#5685) stress score moved from 46.5 on June 22, 2026 to 48 on October 19, 2026; Southeastern Bank (#5685) ranged 46.5 to 48 over 116 snapshots.
Southeastern Bank (#5685) alerts: 8 counties; top Southeastern Bank (#5685) alert scores: Folkston County, GA 17 (low); Hilliard County, GA 17 (low); Hinesville County, GA 17 (low); Kingsland County, GA 17 (low); Nahunta County, GA 17 (low).