BanksSOUTHERN BANK

SOUTHERN BANK

SARDIS, GASmallEst. July 2, 1945, midnightFDIC #16288RSSD #307334FDIC
Latest · 2025-12-31

SOUTHERN BANK is an 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%. CET1 capital ratio: 8.47%. NPL ratio: 0.14% · Texas Ratio: 3.08%. Operates 7 domestic branches.

Assets
$371M
Deposits
$317M
Loans
$236M
Equity
$31M

Profitability

Return on Assets (ROA)0.40%
Return on Equity (ROE)4.74%
Net Interest Margin3.42%
Yield on Assets6.36%
Cost of Funds2.98%

Asset Quality

NPL Ratio0.14%
Net Charge-Off Ratio0.10%
Texas Ratio3.08%
NPA Ratio0.28%
ACL / Loans1.01%

Capital & Liquidity

CET1 Ratio8.47%
Tier 1 Capital8.47%
Total Capital Ratio8.90%
Leverage Ratio9.06%
Loan-to-Deposit74.53%

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