Southern Bank of Tennessee
Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (4.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.6). Excellent current capitalization (7.6 on a scale of 0 to 10) based on a risk-based capital ratio of 13.1 and a capital leverage ratio of 9.4.
Asset Mix:
Comm re (26%), home mtgs (25%), securities (11%), home eq lns (8%), cash (7%), comm loans (7%), consumer loans (2%), other (15%)
States with Branches:
TN
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
SB Financial, Inc.
Investment Rating
--
Address
675 North Mount Juliet Road
Mount Juliet, TN 37122
Mount Juliet, TN 37122
Phone Number
(615) 758-6600
Year Founded
1999
FDIC Number
Website
Largest Affiliates
No affiliate information available.