C
Southern Bank of Tennessee
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
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Net
Income
Weiss Ratings Southern Bank of Tennessee
Mount Juliet, TN
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Rating C
Asset Quality Index 8.50
Capitalization Index 7.00
Liquidity Index 0.80
Profitability Index 4.20
Stability Index 5.80
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 12.62%
5-Year Asset Growth 7.42%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.28%
Non-Performing Assets to Assets 0.03%
Non-Performing Loans to Capital 0.37%
Non-Performing Loans to Loans 0.04%
Balance Sheet Southern Bank of Tennessee
Mount Juliet, TN
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Total Assets 533.38M
Total Deposits 469.35M
Capital and Reserves Southern Bank of Tennessee
Mount Juliet, TN
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Capital 48.67M
Leverage Ratio 9.01
Loan Loss Reserves to Loans 0.88%
Risk-Based Capital Ratio --
Liquidity Southern Bank of Tennessee
Mount Juliet, TN
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Hot Money Ratio 43.32%
Liquidity Ratio 17.81%
Profitability Southern Bank of Tennessee
Mount Juliet, TN
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5-Year Return on Average Assets 0.79%
Net Income 3.18M
Net Interest Spread 3.96%
Operating Profit to Average Assets 1.00%
Overhead Efficiency Ratio 70.31%
Return on Assets 1.27%
Return on Equity 13.29%