B
Southern Bank and Trust Company
Rating Date
August 2026
Risk Based
Capital Ratio
13.63
Leverage
Ratio
9.63
Return On
Assets
1.34%
Total
Assets
5.30B
Capital
433.70M
Total
Deposits
4.83B
Net
Income
36.82M
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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 8.00
Liquidity Index 2.80
Profitability Index 6.50
Stability Index 6.30
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 7.31%
5-Year Asset Growth 8.02%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.09%
Non-Performing Loans to Capital 0.75%
Non-Performing Loans to Loans 0.12%
Balance Sheet Southern Bank and Trust Company
Mount Olive, NC 		Click to
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Total Assets 5.30B
Total Deposits 4.83B
Capital and Reserves Southern Bank and Trust Company
Mount Olive, NC 		Click to
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Capital 433.70M
Leverage Ratio 9.63
Loan Loss Reserves to Loans 1.05%
Risk-Based Capital Ratio 13.63
Liquidity Southern Bank and Trust Company
Mount Olive, NC 		Click to
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Hot Money Ratio 10.38%
Liquidity Ratio 13.83%
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 36.82M
Net Interest Spread 3.54%
Operating Profit to Average Assets 1.71%
Overhead Efficiency Ratio 52.63%
Return on Assets 1.34%
Return on Equity 17.11%