Southern Bank

BankSardis, Georgia
www.thesouthern.bank

Total Assets

$370.9M

Total Deposits

$317.0M

Branches

8

Established

1945

TFS Health Grade

$
D-

62.4 / 100

Below average financial health

How we grade

Southern Bank is a bank headquartered in Sardis, Georgia, established in 1945. With $370.9M in total assets and 8 branch locations, it has a TFS Financial Health Grade of D- (62.4/100).

Capital & Safety

Tier 1 Capital Ratio
9.06%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.14%

Profitability

Return on Assets (ROA)
0.24%(1%)
Return on Equity (ROE)
2.91%(10%)
Net Interest Margin
3.36%
Efficiency Ratio
87.43%(60%)

Lending & Liquidity

Total Loans
$236.3M
Loan-to-Deposit Ratio
73.78%
Net Charge-Off Ratio
0.11%

Growth

Asset Growth (YoY)
+9.85%
Deposit Growth (YoY)
+10.16%
Net Income
$856.0K

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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