Southeast Bank
Farragut, Tennessee · FDIC Cert #57348
Southeast Bank is an FDIC-insured bank (Certificate #57348) with $2.8B in total assets and $2.5B in total deposits as of the Q2 2024 Call Report. Headquartered in Farragut, Tennessee, the bank maintains a Tier 1 capital ratio of 14.01% (Well-Capitalized) and a nonperforming loan ratio of 2.60%. BankHealthData assigns a composite Health Grade of C (61/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Southeast Bank (FDIC cert 57348) is a mid-sized bank with $2.8B in total assets and $2.5B in deposits, based in Farragut, Tennessee. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 14.01% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 2.60% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is thin: 11.6% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 1.39% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Southeast Bank carries a composite BankHealth grade of C (61/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Southeast Bank
- Total Assets
- $2.8B
- Total Deposits
- $2.5B
- Tier 1 Capital Ratio
- 14.01%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.60%
- Liquidity Ratio
- 11.61%
- Return on Assets
- 1.39%
- Headquarters
- Farragut, Tennessee
- FDIC Certificate
- #57348
- Health Grade
- C (61/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Southeast Bank holds a Tier 1 capital ratio of 14.01%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Southeast Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Southeast Bank shows average financial health. While not alarming, its Health Score of 61/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Southeast Bank Compares
Southeast Bank’s Health Score of 61 is 9 points below the Tennessee state average of 70 across 95 FDIC-insured banks. Its 14.01% Tier 1 capital ratio is 0.0 points above the US banking industry average near 14%. The 2.60% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.39% is in line with or above the national ROA benchmark of ~1.1%. Among 461 similarly-sized banks, the average Health Score is 73, meaning this bank ranks below its size cohort. Site-wide, Southeast Bank is 9 points below the portfolio average of 70.
Frequently Asked Questions
Southeast Bank has a Bank Health Score of C (61/100), placing it in average financial health. It holds a Tier 1 capital ratio of 14.01%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Southeast Bank's Tier 1 capital ratio of 14.01% and nonperforming loan ratio of 2.60% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Southeast Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #57348). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Southeast Bank holds $2.8B in total assets and $2.5B in total deposits. It is headquartered in Farragut, Tennessee (FDIC Certificate #57348).
Southeast Bank has a Tier 1 capital ratio of 14.01%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.60%, and the return on assets is 1.39%.
Yes. Southeast Bank is FDIC-insured (Certificate #57348). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Southeast Bank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.