At a glance
From its website, read 2 Nov 2026Southeast First National Bank is a bank or thrift based in Summerville, Georgia. Its website describes commercial real estate loans, credit-builder loans, personal loans and 1 other loan type. It says it considers borrowers with low or no credit history.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (706) 857-3473 source |
|---|---|
| Lending | (850) 235-9660 source |
| Website | www.southeastfnb.com |
| Office (official list) | 10144 COMMERCE STREET, Summerville, GA 30747 |
What their website says about applying
Please call our Summerville or Panama City Beach locations to learn more, find out if you qualify, and start your application.
sourceDocumentation will be requested to ensure that the borrower completed the training.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- Low or damaged credit considered
can provide a foothold for qualifying applicants who have faced economic challenges to repair their credit
source - Training or counseling required
Borrowers must complete the Money Smart Certification program before receiving the loan.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 1 Feb 2022 |
| RSSD ID | 563934 |
| Address | 10144 COMMERCE STREET, Summerville, GA 30747 Directions (Google Maps) |
| Website | www.southeastfnb.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 5 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. The pages fetched do not state loan amounts, a loan service area, or an online loan application, and the product list on the additional services page gives no detail. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Commercial real estate loans | — | Commercial Real Estate Loans | source |
| Credit-builder loans | — | allows qualifying customers to apply for small-dollar loans that provide financing now, while helping you build credit capacity for your future. | source |
| Personal / consumer loans | — | Consumer Loans | source |
| Small-business loans | — | Commercial Loans | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your credit-builder loans and personal loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and small-business loans?
Their website does not state a rate for this. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$1.1 million in 5 awards from the U.S. Treasury's CDFI Fund, 2020–2024 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $252,478 |
| 2024 | Small Dollar Loan Program | $126,464 |
| 2022 | CDFI Program, Financial Assistance | $425,000 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
| 2020 | CDFI Program, Technical Assistance | $125,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Southeast First National Bank (FDIC cert 19819). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $74.9 million (as of 30 Jun 2026) |
|---|---|
| Offices | 3 in 2 states (as of 30 Oct 2026) |
Offices by state and county (3)
Georgia (2 offices)
- Chattooga County (2): 10144 Commerce St, Summerville 30747 (main office); 240 Central Ave, Trion 30753
Florida (1 office)
- Bay County (1): 12720 Hutchison Blvd, Panama City 32407
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Southeast First National Bank (RSSD 563934, FDIC cert 19819). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $18.9 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Down 1.8% from $19.3 million on 30 Jun 2025 |
| Total assets | $74.9 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $7.3 million | 38.3% |
| Home equity lines of credit | $1.3 million | 6.7% |
| Commercial real estate, construction and multifamily | $6.4 million | 33.6% |
| Commercial and industrial (business) loans | $2 million | 10.3% |
| Farmland and farm production loans | $366,000 | 1.9% |
| Consumer loans (credit cards, auto, other) | $1.5 million | 8.1% |
| All other loans and leases | $207,000 | 1.1% |
Within consumer loans: auto loans $929,000, credit cards $55,000.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 6 loans $333,000 | 6 loans $114,000 |
| $100,001 to $250,000 | 10 loans $1.7 million | 6 loans $545,000 |
| $250,001 to $1 million | 9 loans $2.6 million | 2 loans $1.3 million |
| All small business loans | 25 loans $4.6 million | 14 loans $2 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 2 loans $97,000 | 2 loans $53,000 |
| $100,001 to $250,000 | 2 loans $216,000 | none reported |
| $250,001 to $500,000 | none reported | none reported |
| All small farm loans | 4 loans $313,000 | 2 loans $53,000 |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Southeast First National Bank reported 27 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $3.3M (median loan about $95,000). 3 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 3 | 11% |
| Refinance (incl. 5 cash-out) | 17 | 63% |
| Home improvement | 4 | 15% |
| Other purpose | 3 | 11% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 27 | 100% |
Included above: 3 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 6 counties with at least one; 85% of its 2025 loans were for properties in Georgia:
- Chattooga County, GA (22)
Filed under LEI 2549006WPD8JIY1AFO12 as “SOUTHEAST FIRST NATIONAL BANK”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $74.9 million | Larger than 0% of the 10 other certified banks and bank holding companies in Georgia (median $379.1 million). |
| Loans as a share of assets | 25% | Median of the same 10 banks and bank holding companies: 68%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $19.3 million → $18.9 million (-2%) | Median change of 10 other certified banks and bank holding companies in Georgia: +5%. Rank by loans held among these 11: 10 → 10. |
| Home loans originated in 2025 (HMDA) | 27 | More than 8% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Georgia | 10 | larger than 0% |
| Loans held then vs now | certified banks and bank holding companies in Georgia reporting both dates | 10 | rank 10 → 10 of 11 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 8% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Summerville and Georgia
- Summerville Trion Bancshares, Inc.Bank holding company · Summerville, GAOfficial list only
- Access to Capital for Entrepreneurs, Inc.Loan fund · Cleveland, GACommercial real estate loans, Microloans, Small-business loansVerified
- Albany Community Together, Inc.Loan fund · Albany, GAMicroloans, Small-business loansVerified
- Bank of CamillaBank or thrift · Camilla, GAAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Home repair / improvement loans…Verified
- Catalyst Development CORPORATIONLoan fund · Savannah, GAMicroloansVerified
- Citizens Trust BankBank or thrift · Atlanta, GAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
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