EDUCATIONAL SERVICES AM is the bank holding company. SOUTHEAST BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

EDUCATIONAL SERVICES AM

Legal name: EDUCATION LOAN FINANCE, INC.

1 active bank · 1 merged/absorbed · $3.6B combined assets

RSSD ID: 3808131 (FFIEC NIC)

Combined Assets

$3.6B

CRA Rating Summary

Satisfactory1charter

Across all 10 exams on record for this holding company's charters, 80% resulted in Outstanding or Satisfactory.

Primary bankSOUTHEAST BANKFARRAGUT, TNSatisfactory$3.6BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$3.6B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$3.2B

Net Income

$5M

ROA (avg)

0.6%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

514

Origination Rate

70.82%

Denial Rate

14.98%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Current Rating	Exam Date
SOUTHEAST BANK	FARRAGUT, TN	FDIC	$3.6B	Satisfactory	Oct 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.