SOUTHERN BANK AND TRUST COMPANY

MOUNT OLIVE, NC | Large | Est. Jan. 1, 1901, midnight | FDIC #15359 | RSSD #717924 | FDIC
Latest Report: 2025-12-31

SOUTHERN BANK AND TRUST COMPANY is aln large FDIC-insured commercial bank headquartered in MOUNT OLIVE, NC, established in Jan. 1, 1901, midnight. As of 2025-12-31, the bank reported total assets of $5.2B and total deposits of $4.7B. Profitability stands at 2.10% ROA and 25.82% ROE, with a net interest margin of 3.67%. The bank's CET1 capital ratio is 12.93%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.13% and a Texas Ratio of 0.96%. FDIC Certificate #15359.

Assets

$5.2B

Deposits

$4.7B

Loans

$3.4B

Equity

$424M

Profitability

Return on Assets (ROA) 2.10%
Return on Equity (ROE) 25.82%
Net Interest Margin (NIM) 3.67%
Yield on Assets 4.83%
Cost of Funds 1.70%

Asset Quality

NPL Ratio 0.13%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.96%
NPA Ratio 0.08%
ACL / Loans 1.05%

Capital & Liquidity

CET1 Ratio 12.93%
Tier 1 Capital 12.93%
Total Capital Ratio 13.87%
Leverage Ratio 9.57%
Loan-to-Deposit 73.02%

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