SOUTHERN BANK

SARDIS, GA | Small | Est. July 2, 1945, midnight | FDIC #16288 | RSSD #307334 | FDIC
Latest Report: 2025-12-31

SOUTHERN BANK is asn small FDIC-insured commercial bank headquartered in SARDIS, GA, established in July 2, 1945, midnight. As of 2025-12-31, the bank reported total assets of $371M and total deposits of $317M. Profitability stands at 0.40% ROA and 4.74% ROE, with a net interest margin of 3.42%. The bank's CET1 capital ratio is 8.47%. Asset quality metrics show a non-performing loan ratio of 0.14% and a Texas Ratio of 3.08%. FDIC Certificate #16288.

Assets

$371M

Deposits

$317M

Loans

$236M

Equity

$31M

Profitability

Return on Assets (ROA) 0.40%
Return on Equity (ROE) 4.74%
Net Interest Margin (NIM) 3.42%
Yield on Assets 6.36%
Cost of Funds 2.98%

Asset Quality

NPL Ratio 0.14%
Net Charge-Off Ratio 0.10%
Texas Ratio 3.08%
NPA Ratio 0.28%
ACL / Loans 1.01%

Capital & Liquidity

CET1 Ratio 8.47%
Tier 1 Capital 8.47%
Total Capital Ratio 8.90%
Leverage Ratio 9.06%
Loan-to-Deposit 74.53%

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