Southern Bank of Tennessee

BankMount Juliet, Tennessee
www.southernbankoftn.com

Total Assets

$477.6M

Total Deposits

$416.7M

Branches

5

Established

1999

TFS Health Grade

$
C

73.8 / 100

Average financial health

How we grade

Southern Bank of Tennessee is a bank headquartered in Mount Juliet, Tennessee, established in 1999. With $477.6M in total assets and 5 branch locations, it has a TFS Financial Health Grade of C (73.8/100).

Capital & Safety

Tier 1 Capital Ratio
9.38%(8%)
Total Capital Ratio
13.05%(10%)
Non-Performing Loan Ratio
0.09%

Profitability

Return on Assets (ROA)
1.02%(1%)
Return on Equity (ROE)
11.01%(10%)
Net Interest Margin
3.85%
Efficiency Ratio
70.75%(60%)

Lending & Liquidity

Total Loans
$372.6M
Loan-to-Deposit Ratio
88.60%
Net Charge-Off Ratio
0.07%

Growth

Asset Growth (YoY)
+6.16%
Deposit Growth (YoY)
+7.51%
Net Income
$4.8M

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.

Other banks in Tennessee