B
Southern Bank and Trust Company
Rating Date
March 2026
Risk Based
Capital Ratio
13.87
Leverage
Ratio
9.57
Return On
Assets
1.13%
Total
Assets
5.20B
Capital
424.42M
Total
Deposits
4.69B
Net
Income
59.87M
My Lists My Alerts
Weiss Ratings Southern Bank and Trust Company
Mount Olive, NC 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating B
Asset Quality Index 8.70
Capitalization Index 7.90
Liquidity Index 3.00
Profitability Index 5.30
Stability Index 7.20
Company Info Southern Bank and Trust Company
Mount Olive, NC 		Click to
Compare		 Click to
Compare		 Click to
Compare
FDIC Number 15359
Phone Number (919) 658-7000
Website www.southernbank.com
Asset Quality Southern Bank and Trust Company
Mount Olive, NC 		Click to
Compare		 Click to
Compare		 Click to
Compare
1-Year Asset Growth 3.69%
5-Year Asset Growth 8.02%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.08%
Non-Performing Loans to Capital 0.78%
Non-Performing Loans to Loans 0.13%
Balance Sheet Southern Bank and Trust Company
Mount Olive, NC 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 5.20B
Total Deposits 4.69B
Capital and Reserves Southern Bank and Trust Company
Mount Olive, NC 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 424.42M
Leverage Ratio 9.57
Loan Loss Reserves to Loans 1.05%
Risk-Based Capital Ratio 13.87
Liquidity Southern Bank and Trust Company
Mount Olive, NC 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 11.04%
Liquidity Ratio 15.76%
Profitability Southern Bank and Trust Company
Mount Olive, NC 		Click to
Compare		 Click to
Compare		 Click to
Compare
5-Year Return on Average Assets 1.14%
Net Income 59.87M
Net Interest Spread 3.14%
Operating Profit to Average Assets 1.44%
Overhead Efficiency Ratio 56.59%
Return on Assets 1.13%
Return on Equity 15.38%