C
Southern Bank of Tennessee
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Southern Bank of Tennessee
Mount Juliet, TN
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Rating C
Asset Quality Index 8.60
Capitalization Index 7.00
Liquidity Index 0.70
Profitability Index 3.80
Stability Index 5.10
Company Info Southern Bank of Tennessee
Mount Juliet, TN
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FDIC Number 34847
Phone Number (615) 758-6600
Website www.southernbankoftn.com
Asset Quality Southern Bank of Tennessee
Mount Juliet, TN
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1-Year Asset Growth 10.09%
5-Year Asset Growth 9.91%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.09%
Non-Performing Loans to Loans 0.00%
Balance Sheet Southern Bank of Tennessee
Mount Juliet, TN
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Total Assets 473.61M
Total Deposits 413.46M
Capital and Reserves Southern Bank of Tennessee
Mount Juliet, TN
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Capital 43.41M
Leverage Ratio 9.02
Loan Loss Reserves to Loans 0.87%
Risk-Based Capital Ratio 12.53
Liquidity Southern Bank of Tennessee
Mount Juliet, TN
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Hot Money Ratio 38.16%
Liquidity Ratio 15.43%
Profitability Southern Bank of Tennessee
Mount Juliet, TN
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5-Year Return on Average Assets 0.75%
Net Income 2.03M
Net Interest Spread 3.61%
Operating Profit to Average Assets 0.87%
Overhead Efficiency Ratio 72.76%
Return on Assets 0.87%
Return on Equity 9.56%