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Company Description

Contact Info

3530 Wheeler Road

Augusta, GA 30909

United States

Phone: 706-738-6990


Southeastern Bank Financial Corporation operates as the holding company for Georgia Bank & Trust Company of Augusta (GB&T), which provides financial services to individuals, small to medium sized businesses, and professionals. The company focuses primarily on offering real estate, commercial and consumer loans and various deposit and other services. The company operates its main office and eight full service branches in Augusta, Martinez, and Evans, Georgia, with mortgage origination offices located in Augusta and Savannah, Georgia. It also operates three full service branches in North Augusta and Aiken, South Carolina under the name Southern Bank & Trust, a division of GB&T. Market Area The company’s primary market area includes Richmond and Columbia counties in Georgia and Aiken County in South Carolina, all part of the Augusta-Richmond County, GA-SC metropolitan statistical area (MSA). Lending Activities The company offers a range of lending services, including real estate, commercial, and consumer loans. Real Estate Loans: The company offers commercial real estate loans, construction and development loans, residential real estate loans, and home equity loans. Commercial Real Estate Loans: The company offers commercial real estate loans of various sizes secured by office buildings, warehouse facilities, retail establishments, and other types of property. Acquisition Development and Construction Loans: The company targets seasoned developers and contractors who have experience in the local market. Residential Loans: The company originates, on a selective basis, residential loans for its portfolio on single and multi-family properties, both owner-occupied and non-owner-occupied. It also originates both fixed and variable rate residential loans for sale into the secondary market, servicing released. Commercial Loans: The company makes loans for commercial purposes to various types of businesses. Consumer Loans: The company makes various loans to individuals for personal and household purposes, including secured and unsecured installment and term loans, and revolving lines of credit, such as overdraft protection. Deposits The company offers noninterest-bearing; NOW accounts; savings; money management accounts; and time deposits. Investment Portfolio As of December 31, 2012, the company’s investment portfolio included U.S. government agencies; obligations of states and political subdivisions; mortgage-backed securities; and corporate bonds. Supervision and Regulation The company is subject to the supervision, examination, and reporting requirements of the Bank Holding Company Act and the regulations of the Board of Governors of the Federal Reserve System. The company is a bank holding company located in Georgia, the Georgia Department of Banking and Finance (GDBF) also regulates and monitors all significant aspects of the company’s operations. GB&T is a commercial bank regulated by the GDBF and the Federal Deposit Insurance Corporation Improvement Act of 1991. The company and GB&T are subject to the provisions of Section 23A of the Federal Reserve Act. The company and GB&T are also subject to the provisions of Section 23B of the Federal Reserve Act. Its loan operations are also subject to federal laws applicable to credit transactions, such as the Truth-In-Lending Act; Home Mortgage Disclosure Act of 1975; Equal Credit Opportunity Act; Fair Credit Reporting Act of 1978; Fair Debt Collection Act; National Flood Insurance Act and Flood Disaster Protection Act; Real Estate Settlement Procedures Act; Bank Secrecy Act, as amended by the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (the USA PATRIOT Act); Sections 22(g) and 22(h) of the Federal Reserve Act; Soldiers’ and Sailors’ Civil Relief Act of 1940; and Talent Amendment in the 2007 Defense Authorization Act. The company’s deposit operations are subject to federal laws applicable to depository accounts, such as Truth-In-Savings Act; Right to Financial Privacy Act; and Electronic Funds Transfer Act and Regulation E issued by the Federal Reserve to implement that act. History Southeastern Bank Financial Corporation was founded in 1989.


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