Southern Bank and Trust Company

BankMount Olive, North Carolina
www.southernbank.com

Total Assets

$5.2B

Total Deposits

$4.7B

Branches

56

Established

1901

TFS Health Grade

$
C

75.9 / 100

Average financial health

How we grade

Southern Bank and Trust Company is a bank headquartered in Mount Olive, North Carolina, established in 1901. With $5.2B in total assets and 56 branch locations, it has a TFS Financial Health Grade of C (75.9/100).

Capital & Safety

Tier 1 Capital Ratio
9.57%(8%)
Total Capital Ratio
13.87%(10%)
Non-Performing Loan Ratio
0.13%

Profitability

Return on Assets (ROA)
1.19%(1%)
Return on Equity (ROE)
15.44%(10%)
Net Interest Margin
3.33%
Efficiency Ratio
56.59%(60%)

Lending & Liquidity

Total Loans
$3.4B
Loan-to-Deposit Ratio
72.25%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+3.69%
Deposit Growth (YoY)
+5.26%
Net Income
$59.9M

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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