B
Southern States Bank
Rating Date
June 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Southern States Bank
Anniston, AL
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Rating B
Asset Quality Index 6.80
Capitalization Index 10.00
Liquidity Index 2.30
Profitability Index 8.60
Stability Index 5.70
Company Info Southern States Bank
Anniston, AL
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FDIC Number 58558
Phone Number (256) 241-1092
Website southernstatesbank.net
Asset Quality Southern States Bank
Anniston, AL
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1-Year Asset Growth 13.52%
5-Year Asset Growth 32.03%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 0.27%
Non-Performing Loans to Capital 1.86%
Non-Performing Loans to Loans 0.36%
Balance Sheet Southern States Bank
Anniston, AL
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Total Assets 2.85B
Total Deposits 2.43B
Capital and Reserves Southern States Bank
Anniston, AL
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Capital 369.98M
Leverage Ratio 11.99
Loan Loss Reserves to Loans 1.28%
Risk-Based Capital Ratio 14.55
Liquidity Southern States Bank
Anniston, AL
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Hot Money Ratio 15.25%
Liquidity Ratio 17.37%
Profitability Southern States Bank
Anniston, AL
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5-Year Return on Average Assets 1.41%
Net Income 11.65M
Net Interest Spread 3.89%
Operating Profit to Average Assets 2.14%
Overhead Efficiency Ratio 42.48%
Return on Assets 1.64%
Return on Equity 12.79%