C
Southern Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
9.02
Return On
Assets
0.16%
Total
Assets
350.31M
Capital
28.58M
Total
Deposits
298.90M
Net
Income
274.00K
My Lists My Alerts
Weiss Ratings Southern Bank
Waynesboro, GA 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating C
Asset Quality Index 6.60
Capitalization Index 7.00
Liquidity Index 2.90
Profitability Index 1.90
Stability Index 3.50
Company Info Southern Bank
Waynesboro, GA 		Click to
Compare		 Click to
Compare		 Click to
Compare
FDIC Number 16288
Phone Number (706) 437-9977
Website www.thesouthern.bank
Asset Quality Southern Bank
Waynesboro, GA 		Click to
Compare		 Click to
Compare		 Click to
Compare
1-Year Asset Growth 10.10%
5-Year Asset Growth 65.33%
5-Year Charge-Offs to Average Loans 0.17%
Charge-Offs to Average Loans 0.09%
Non-Performing Assets to Assets 0.78%
Non-Performing Loans to Capital 5.57%
Non-Performing Loans to Loans 0.89%
Balance Sheet Southern Bank
Waynesboro, GA 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 350.31M
Total Deposits 298.90M
Capital and Reserves Southern Bank
Waynesboro, GA 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 28.58M
Leverage Ratio 9.02
Loan Loss Reserves to Loans 1.07%
Risk-Based Capital Ratio --
Liquidity Southern Bank
Waynesboro, GA 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 42.69%
Liquidity Ratio 28.20%
Profitability Southern Bank
Waynesboro, GA 		Click to
Compare		 Click to
Compare		 Click to
Compare
5-Year Return on Average Assets 0.02%
Net Income 274.00K
Net Interest Spread 3.15%
Operating Profit to Average Assets 0.21%
Overhead Efficiency Ratio 88.00%
Return on Assets 0.16%
Return on Equity 1.93%