C
Southern Bank
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
8.18
Return On
Assets
0.10%
Total
Assets
407.88M
Capital
32.15M
Total
Deposits
358.38M
Net
Income
206.00K
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Weiss Ratings Southern Bank
Spartanburg, SC 		Click to
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Rating C
Asset Quality Index 8.20
Capitalization Index 6.20
Liquidity Index 2.40
Profitability Index 0.10
Stability Index 3.70
Company Info Southern Bank
Spartanburg, SC 		Click to
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FDIC Number 16288
Phone Number (706) 437-9977
Website www.thesouthern.bank
Asset Quality Southern Bank
Spartanburg, SC 		Click to
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1-Year Asset Growth 16.43%
5-Year Asset Growth 60.06%
5-Year Charge-Offs to Average Loans 0.16%
Charge-Offs to Average Loans -0.03%
Non-Performing Assets to Assets 0.33%
Non-Performing Loans to Capital 2.03%
Non-Performing Loans to Loans 0.28%
Balance Sheet Southern Bank
Spartanburg, SC 		Click to
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Total Assets 407.88M
Total Deposits 358.38M
Capital and Reserves Southern Bank
Spartanburg, SC 		Click to
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Capital 32.15M
Leverage Ratio 8.18
Loan Loss Reserves to Loans 1.02%
Risk-Based Capital Ratio --
Liquidity Southern Bank
Spartanburg, SC 		Click to
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Hot Money Ratio 43.10%
Liquidity Ratio 25.43%
Profitability Southern Bank
Spartanburg, SC 		Click to
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5-Year Return on Average Assets 0.24%
Net Income 206.00K
Net Interest Spread 3.20%
Operating Profit to Average Assets 0.12%
Overhead Efficiency Ratio 91.64%
Return on Assets 0.10%
Return on Equity 1.31%