D
Southern Trust Ins Co
Macon,  GA
Rating Date
October 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
0.98
Risk Adjusted
Capital Ratio #2
0.68
Loss
Ratio
62.01%
Total
Assets
116.98M
Capital
35.06M
Net
Premiums
32.63M
Net
Income
-3.36M
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Weiss Ratings Southern Trust Ins Co
Macon, GA 		Click to
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Rating D
Capitalization Index 4.90
Investment Safety Index --
Liquidity Index 7.50
Profitability Index 3.10
Reserve Adequacy Index 1.60
Stability Index 5.20
Company Info Southern Trust Ins Co
Macon, GA 		Click to
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Industry P&C
NAIC Number 12610
Phone Number (478) 474-0555
Website www.stins.com
Address 5444 Riverside Drive Macon, GA 31210
Balance Sheet Southern Trust Ins Co
Macon, GA 		Click to
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Total Assets 116.98M
Capital and Reserves Southern Trust Ins Co
Macon, GA 		Click to
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Risk-Adjusted Capital Ratio #1 0.98
Risk-Adjusted Capital Ratio #2 0.68
1-Year Reserve Development 4,460.00%
2-Year Reserve Development 9,160.00%
Capital 35.06M
Premium to Surplus 210.00%
Reserves to Surplus 100.00%
Investments Southern Trust Ins Co
Macon, GA 		Click to
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Cash --
CMO & Structured Securities --
Common & Preferred Stock --
Invested Assets --
Investments in Affiliates --
Mortgages in Good Standing --
Non-Investment Grade Bonds --
Non-Performing Mortgages --
Other Investment Grade Bonds --
Other Investments --
Real Estate --
Operating Ratios Southern Trust Ins Co
Macon, GA 		Click to
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Medical Loss Ratio --
Cash From Underwriting 130.00%
Combined Ratio 110.00%
Expense Ratio 40.00%
Loss Ratio 62.01%
Net Premium Growth 30.00%
Other Medical Southern Trust Ins Co
Macon, GA 		Click to
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Bonus Pay --
Capitation Pay --
Contractual Pay --
Enrollment --
Fee For Service --
Medical Expense Per Member Per Month --
Network Physicians --
Other Pay --
Salary Pay --
Total Patient Encounters - Physician --
Total Patient Encounters-Non-Physician --
Profitability Southern Trust Ins Co
Macon, GA 		Click to
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Net Income -3.36M
Net Premium 32.63M
Health Premium --