SOUTHERN BANK OF TENNESSEE

MOUNT JULIET, TN | Small | Est. March 22, 1999, midnight | FDIC #34847 | RSSD #2793593 | FED
Latest Report: 2025-12-31

SOUTHERN BANK OF TENNESSEE is asn small FDIC-insured commercial bank headquartered in MOUNT JULIET, TN, established in March 22, 1999, midnight. As of 2025-12-31, the bank reported total assets of $478M and total deposits of $417M. Profitability stands at 1.16% ROA and 12.21% ROE, with a net interest margin of 4.20%. The bank's CET1 capital ratio is 12.06%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.07% and a Texas Ratio of 0.52%. FDIC Certificate #34847.

Assets

$478M

Deposits

$417M

Loans

$373M

Equity

$46M

Profitability

Return on Assets (ROA) 1.16%
Return on Equity (ROE) 12.21%
Net Interest Margin (NIM) 4.20%
Yield on Assets 6.85%
Cost of Funds 2.73%

Asset Quality

NPL Ratio 0.07%
Net Charge-Off Ratio 0.07%
Texas Ratio 0.52%
NPA Ratio 0.05%
ACL / Loans 0.92%

Capital & Liquidity

CET1 Ratio 12.06%
Tier 1 Capital 12.06%
Total Capital Ratio 13.05%
Leverage Ratio 9.38%
Loan-to-Deposit 89.43%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required