B
Southern Bank and Trust Company
Rating Date
October 2025
Risk Based
Capital Ratio
14.36
Leverage
Ratio
9.92
Return On
Assets
0.83%
Total
Assets
5.16B
Capital
419.41M
Total
Deposits
4.66B
Net
Income
32.64M
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Weiss Ratings Southern Bank and Trust Company
Mount Olive, NC 		Click to
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Rating B
Asset Quality Index 8.70
Capitalization Index 8.40
Liquidity Index 3.00
Profitability Index 2.50
Stability Index 7.00
Company Info Southern Bank and Trust Company
Mount Olive, NC 		Click to
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FDIC Number 15359
Phone Number (919) 658-7000
Website www.southernbank.com
Asset Quality Southern Bank and Trust Company
Mount Olive, NC 		Click to
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1-Year Asset Growth 3.74%
5-Year Asset Growth 14.28%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.10%
Non-Performing Loans to Capital 0.90%
Non-Performing Loans to Loans 0.15%
Balance Sheet Southern Bank and Trust Company
Mount Olive, NC 		Click to
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Total Assets 5.16B
Total Deposits 4.66B
Capital and Reserves Southern Bank and Trust Company
Mount Olive, NC 		Click to
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Capital 419.41M
Leverage Ratio 9.92
Loan Loss Reserves to Loans 1.03%
Risk-Based Capital Ratio 14.36
Liquidity Southern Bank and Trust Company
Mount Olive, NC 		Click to
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Hot Money Ratio 11.78%
Liquidity Ratio 17.88%
Profitability Southern Bank and Trust Company
Mount Olive, NC 		Click to
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5-Year Return on Average Assets 1.14%
Net Income 32.64M
Net Interest Spread 3.05%
Operating Profit to Average Assets 1.06%
Overhead Efficiency Ratio 58.21%
Return on Assets 0.83%
Return on Equity 11.50%