C
Southern Bank
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
9.06
Return On
Assets
0.24%
Total
Assets
370.88M
Capital
31.43M
Total
Deposits
317.03M
Net
Income
856.00K
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Weiss Ratings Southern Bank
Waynesboro, GA 		Click to
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Rating C
Asset Quality Index 8.30
Capitalization Index 7.10
Liquidity Index 2.70
Profitability Index 2.00
Stability Index 3.60
Company Info Southern Bank
Waynesboro, GA 		Click to
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FDIC Number 16288
Phone Number (706) 437-9977
Website www.thesouthern.bank
Asset Quality Southern Bank
Waynesboro, GA 		Click to
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1-Year Asset Growth 9.85%
5-Year Asset Growth 60.06%
5-Year Charge-Offs to Average Loans 0.17%
Charge-Offs to Average Loans 0.11%
Non-Performing Assets to Assets 0.28%
Non-Performing Loans to Capital 0.90%
Non-Performing Loans to Loans 0.14%
Balance Sheet Southern Bank
Waynesboro, GA 		Click to
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Total Assets 370.88M
Total Deposits 317.03M
Capital and Reserves Southern Bank
Waynesboro, GA 		Click to
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Capital 31.43M
Leverage Ratio 9.06
Loan Loss Reserves to Loans 1.01%
Risk-Based Capital Ratio --
Liquidity Southern Bank
Waynesboro, GA 		Click to
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Hot Money Ratio 40.70%
Liquidity Ratio 27.55%
Profitability Southern Bank
Waynesboro, GA 		Click to
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5-Year Return on Average Assets 0.02%
Net Income 856.00K
Net Interest Spread 3.31%
Operating Profit to Average Assets 0.27%
Overhead Efficiency Ratio 87.43%
Return on Assets 0.24%
Return on Equity 2.92%