Bank call report · Mount Olive, NC
Southern Bank and Trust Company Call Report
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Southern Bank and Trust Company filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 454 reported line items, schedule by schedule (919 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 717924 |
| FDIC certificate number | 15359 |
| Total assets | $5.30B |
Official Q2 2026 call report PDF (FFIEC) →
Southern Bank and Trust Company call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (28 items)
About Schedule RC · Southern Bank and Trust Company balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $5.30B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $5.30B |
| Total Liabilities and Minority Interest | RCON2948 | $4.87B |
| Total Deposits | RCON2200 | $4.83B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $3.59B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $3.55B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $3.33B |
| Deposits: Noninterest-bearing | RCON6631 | $1.50B |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $1.24B |
| Total Equity Capital | RCON3210 | $433.7M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $433.7M |
| Undivided Profits and Capital Reserves | RCON3632 | $376.0M |
| Surplus | RCON3839 | $176.0M |
| Interest-bearing Balances | RCON0071 | $164.4M |
| Accumulated Other Comprehensive Income | RCONB530 | -$119.1M |
| Other Assets | RCON2160 | $105.4M |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $69.7M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $60.2M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $58.7M |
| Allowance for Loan and Lease Losses | RCON3123 | $37.7M |
| Intangible Assets | RCON2143 | $34.6M |
| Goodwill | RCON3163 | $26.6M |
| Other Liabilities, Total | RCON2930 | $24.8M |
| Securities Sold Under Agreements to Repurchase | RCONB995 | $17.6M |
| Loans and Leases Held for Sale | RCON5369 | $12.6M |
| Direct and Indirect Investments in Real Estate Ventures | RCON3656 | $7.4M |
| Common Stock | RCON3230 | $832K |
| Other Real Estate Owned | RCON2150 | $626K |
Schedule RI: Income Statement (49 items)
About Schedule RI · Southern Bank and Trust Company income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $116.9M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $95.8M |
| Net Interest Income | RIAD4074 | $92.3M |
| Total Noninterest Expense | RIAD4093 | $57.2M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $49.0M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $48.8M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $46.8M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $36.8M |
| Net Income (Loss) | RIAD4340 | $36.8M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $36.8M |
| Salaries and Employee Benefits | RIAD4135 | $36.8M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $36.2M |
| Total Interest Expense | RIAD4073 | $24.6M |
| Total Noninterest Income | RIAD4079 | $16.3M |
| Other Noninterest Expense | RIAD4092 | $14.6M |
| Applicable Income Taxes | RIAD4302 | $9.9M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $8.7M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $8.0M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $7.6M |
| Interest on Other Securities | RIAD4060 | $6.5M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $5.8M |
| Other Noninterest Income | RIADB497 | $5.8M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $5.8M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $5.6M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $5.5M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $5.3M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $4.5M |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $3.9M |
| Fees and Commissions from Securities Brokerage | RIADC886 | $3.2M |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | -$2.2M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $2.1M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $2.0M |
| Income from the Sale and Servicing of Mutual Funds and Annuities (in Domestic Offices) | RIAD8431 | $1.9M |
| Net Servicing Fees | RIADB492 | $1.8M |
| Provision for Loan and Lease Losses | RIAD4230 | $1.7M |
| Service Charges on Deposits in Domestic Office Overdraft Related for Individuals | RIADH032 | $1.6M |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $1.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $1.1M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $916K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $690K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $504K |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | -$474K |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $260K |
| Other Interest Income | RIAD4518 | $152K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | -$64K |
| Service Charges on Deposits in Domestic Office Maintenance for Individuals | RIADH033 | $43K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $25K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $9K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 603 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $223.1M |
| Balances Due from Federal Reserve Banks | RCON0090 | $161.9M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $34.9M |
| Currency and Coin | RCON0080 | $23.8M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $2.5M |
Schedule RC-B: Securities (27 items)
About Schedule RC-B · Southern Bank and Trust Company securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $1.3M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $1.2M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $475.5M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $417.1M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $186.1M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $169.2M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $1.40B |
| Pledged Securities | RCON0416 | $855.9M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $347.5M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $306.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $259.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $258.7M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $222.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $207.0M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $191.7M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $162.7M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $162.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $159.5M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $150.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $138.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $43.1M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $6.6M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $817K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $817K |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $500K |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $476K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $476K |
Schedule RC-C, Part I: Loans and Leases (37 items)
About Schedule RC-C, Part I · Southern Bank and Trust Company loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $3.60B |
| Pledged Loans and Leases | RCONG378 | $3.59B |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $944.9M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $919.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $832.8M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $655.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $631.8M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $581.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $562.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $451.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $443.0M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $319.3M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $292.6M |
| Commercial and Industrial Loans | RCON1766 | $259.2M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $259.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $244.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $160.8M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $139.3M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $120.8M |
| Real Estate Loans Secured by Farmland | RCON1420 | $113.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $109.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $61.9M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $57.2M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $52.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $41.9M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $41.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $34.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $25.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $24.0M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $17.0M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $14.8M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $8.3M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $5.1M |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $3.6M |
| Other Loans | RCONJ464 | $3.6M |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $458K |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $20K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $411.3M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $109.1M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $66.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $41.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $41.0M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $22.0M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $16.2M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $13.3M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $8.8M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $5.8M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $5.3M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $3.9M |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 1,594 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 1,077 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 555 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 380 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 378 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 320 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 160 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 157 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 119 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 103 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 60 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 44 |
Schedule RC-E: Deposit Liabilities (32 items)
About Schedule RC-E · Southern Bank and Trust Company deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $2.82B |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $2.24B |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $2.01B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $1.74B |
| Total Demand Deposits (See Note Below) | RCON2210 | $1.51B |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $981.4M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $575.9M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Interest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP754 | $546.9M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $465.5M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $411.3M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP756 | $404.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $305.8M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $304.8M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $295.6M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $293.3M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $265.0M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $231.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $208.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $203.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $195.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $185.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $119.1M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP753 | $88.2M |
| Total reciprocal deposits | RCONJH83 | $44.6M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $41.1M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $23.0M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $23.0M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $14.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $12.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $3.0M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $1.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $1.0M |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $31.8M |
| Other Assets | RCON2168 | $27.6M |
| Net Deferred Tax Assets | RCON2148 | $21.7M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $19.9M |
| Accrued Interest Receivable | RCONB556 | $19.1M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $5.2M |
| Derivatives with a Position Fair Value Held for Purposes Other Than Trading | RCONC010 | $563K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $20.6M |
| Deferred Compensation Liabilities | RCONC011 | $3.1M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $2.0M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $1.5M |
| Other Expenses Accrued and Unpaid | RCON3646 | $662K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Southern Bank and Trust Company quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $5.50B |
| Quarterly Average of Total Loans | RCON3360 | $3.53B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $1.90B |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $1.34B |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $1.27B |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $1.23B |
| Mortgage-backed Securities | RCONB559 | $1.02B |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $425.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $314.3M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $302.6M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $253.9M |
| All Other Securities | RCONB560 | $223.4M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $162.0M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $44.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $27.4M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $18.2M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (12 items)
About Schedule RC-L · Southern Bank and Trust Company derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $485.3M |
| Purchased OTC Interest Rate Option Contracts | RCON8713 | $450.0M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $403.7M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $181.3M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $146.0M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $137.5M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $100.6M |
| Interest Rate Forward Contracts | RCON8697 | $24.3M |
| Written OTC Interest Rate Option Contracts | RCON8709 | $11.1M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $10.0M |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8741 | $651K |
| Gross Negative Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8745 | $85K |
Schedule RC-M: Memoranda (5 items)
About Schedule RC-M · Southern Bank and Trust Company memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $12.9M |
| Mortgage Servicing Assets | RCON3164 | $8.0M |
| Cost of equity securities with readily determinable fair values not held for trading | RCONJA29 | $938K |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $918K |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $626K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (26 items)
About Schedule RC-N · Southern Bank and Trust Company past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $6.5M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $4.3M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $2.3M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $1.9M |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $1.2M |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $1.1M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $1.1M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $971K |
| Additions to Nonaccrual Assets | RCONC410 | $925K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $711K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $695K |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $382K |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $106K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $97K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual | RCON3495 | $83K |
| All Other Loans - Nonaccrual | RCON5461 | $76K |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Nonaccrual | RCON1583 | $76K |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' : Nonaccrual | RCONK041 | $69K |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Nonaccrual | RCONK038 | $69K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing | RCON3493 | $58K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $52K |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Past Due 30 Through 89 Days and Still Accruing | RCONK036 | $36K |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' Past Due 30 Through 89 Days and Still Accruing | RCONK039 | $35K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $23K |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $15K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $6K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · Southern Bank and Trust Company other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $5.50B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $4.83B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $2.65B |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $2.30B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $2.14B |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $530.6M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $37.8M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $3.3M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 111,216 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 2,909 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 1,746 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 8 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Retail originations during the quarter of 1-4 family residential mortgage loans for sale | RCONHT81 | $72.7M |
| Principal Amount of 1-4 Family Residential Mortgage Loans Sold During the Quarter | RCONFT04 | $41.8M |
| Quarter End Amount of 1-4 Family Residential Mortgage Loans Held for Sale or Trading | RCONFT05 | $12.6M |
| Representation and Warranty Reserves for 1-4 Family Residential Mortgage Loans Sold: Total | RCONM288 | $1.6M |
| Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family residential mortgage loans | RIADHT85 | $798K |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (10 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $1.31B |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $1.31B |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $1.17B |
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCONG476 | $1.17B |
| Available-for-sale Securities - Level 1 Fair Value Measurements | RCONG475 | $135.0M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 1 Fair Value Measurements | RCONG504 | $135.0M |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Nontrading Derivative Assets - Level 2 Fair Value Measurements | RCONG544 | $563K |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Nontrading Derivative Assets - Total Fair Value Reported on Schedule Rc | RCONG541 | $563K |
| All Other Assets - Level 2 Fair Value Measurements | RCONG396 | $563K |
| All Other Assets - Total Fair Value Reported on Schedule Rc | RCONG391 | $563K |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Southern Bank and Trust Company regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $4.16B |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (24 items)
About Schedule RC-R, Part I · Southern Bank and Trust Company regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $5.50B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $5.48B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $4.16B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $567.3M |
| Common Equity Tier 1 Capital | RCOAP859 | $527.8M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $527.8M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $527.8M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $433.7M |
| Retained Earnings | RCOAKW00 | $376.0M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $176.8M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$122.2M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$119.1M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $39.5M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $39.5M |
| Tier 2 Capital Before Deductions | RCOAP870 | $39.5M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $25.1M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $25.1M |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | $3.1M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1363 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1268 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1268 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0963 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0563 |
Schedule RC-R, Part II: Risk-Weighted Assets (80 items)
About Schedule RC-R, Part II · Southern Bank and Trust Company risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $4.16B |
| Total Risk-weighted Assets | RCONG641 | $4.16B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $2.85B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $2.85B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $2.51B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $2.07B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $2.04B |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $1.38B |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $1.31B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $1.29B |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $1.19B |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $1.06B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $947.5M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $944.6M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $864.4M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $803.7M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $646.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $603.9M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $603.9M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $413.2M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $401.8M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over One Year Through Five Years | RCONS583 | $350.0M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $313.5M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $282.6M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $246.2M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $223.1M |
| Risk-weighted Assets by Risk-weighted Category - 300 Pct Risk Weight Category | RCONS574 | $209.1M |
| Total All Other Assets | RCOND981 | $208.2M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $189.5M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $188.0M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$169.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $164.2M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $159.7M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$159.1M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $158.2M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $141.5M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $139.3M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $138.6M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $124.3M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $117.7M |
| Unused Commitments, Original Maturity Exceeding One Year - 50 Pct Risk Weight Category | RCONG628 | $97.2M |
| Available-for-sale Securities - 300 Pct Risk Weight Category | RCONS405 | $69.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 300 Pct Risk Weight Category | RCONS563 | $69.7M |
| Total Balance Sheet Assets - 300 Pct Risk Weight Category | RCONS505 | $69.7M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $35.1M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $32.8M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $31.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $30.6M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $27.2M |
| Unused Commitments, Original Maturity Exceeding One Year - 150 Pct Risk Weight Category | RCONS539 | $21.8M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $19.9M |
| Repo-style Transactions - 100 Pct Risk Weight Category | RCONS522 | $17.6M |
| Repo-style Transactions - Credit Equivalent Amount | RCONS516 | $17.6M |
| Repo-style Transactions - Face, Notional, or Other Amount | RCONS515 | $17.6M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $12.6M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $12.6M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $10.0M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $10.0M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $10.0M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $8.0M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $8.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $8.0M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $7.5M |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $4.1M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 20 Pct Risk Weight Category | RCONS441 | $4.1M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $2.8M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $2.5M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $2.4M |
| Over-the-counter Derivatives - 20 Pct Risk Weight Category | RCONS545 | $2.3M |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $2.3M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 150% | RCONS531 | $825K |
| Allocation by Risk Weight Category 20%, Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONH180 | $689K |
| Current Credit Exposure Across All Derivative Contracts Covered by the Regulatory Capital Rules | RCONG642 | $563K |
| Allocation by Risk Weight Category 150%, All Other Assets | RCONH185 | $512K |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $500K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 20% | RCONS528 | $347K |
| Unused Commitments, Original Maturity Exceeding One Year - 20 Pct Risk Weight Category | RCONG627 | $251K |
| Amount of allowances for credit losses on purchased credit-deteriorated assets - Loans and leases held for investment | RCONJJ30 | $200K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 50% | RCONS529 | $178K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 20 Pct Risk Weight Category | RCONS452 | $69K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $831.9M |
| Outstanding Principal Balance of Assets Serviced for Others Including Participations Serviced for Others: 1-4 Family Residential Mortgage Serviced for Others That Are in the Process of Foreclosure at Quarter-end (Includes Closed-end and Open-end Loans) | RCONF699 | $307K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $433.7M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $424.4M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $424.4M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $25.0M |
| Other Comprehensive Income | RIADB511 | -$2.5M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (17 items)
About Schedule RI-B, Part I · Southern Bank and Trust Company charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $312K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $248K |
| Charge-offs on All Other Loans | RIAD4644 | $206K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries | RIADC896 | $100K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $80K |
| Recoveries on All Other Loans | RIAD4628 | $57K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $26K |
| Loans Secured by Other Nonfarm Nonresidential Properties: Recoveries | RIADC898 | $22K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $14K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $14K |
| Recoveries on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5412 | $12K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC218 | $10K |
| Recoveries on Loans Secured by Farmland | RIAD3585 | $10K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $6K |
| Recoveries on Loans to Finance Agricultural Production and Other Loans to Farmers | RIAD4665 | $4K |
| Other Construction Loans and All Land Development and Other Land Loans, Recoveries | RIADC894 | $2K |
| Recoveries on Automobile Loans | RIADK133 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Southern Bank and Trust Company changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $37.7M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $36.1M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $340K |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $312K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $3.59B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $1.61B |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $1.40B |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $356.9M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $196.5M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $37.7M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $28.1M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $16.8M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $13.7M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $4.0M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $2.8M |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $341K |
Schedule RI-E: Explanations (8 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Data Processing Expenses | RIADC017 | $4.6M |
| Bank Card and Credit Card Interchange Fees | RIADF555 | $3.2M |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $2.8M |
| Marketing and Other Professional Services | RIAD0497 | $1.7M |
| Second Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4467 | $1.6M |
| Second Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4462 | $951K |
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $584K |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $425K |
Southern Bank and Trust Company call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Southern Bank and Trust Company call report?
The Southern Bank and Trust Company call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Southern Bank and Trust Company file?
Southern Bank and Trust Company files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Southern Bank and Trust Company call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Southern Bank and Trust Company has Federal Reserve RSSD ID 717924 and FDIC certificate number 15359. Either one finds its filings on the FFIEC Central Data Repository.
How often does Southern Bank and Trust Company file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Southern Bank and Trust Company financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 15359) · FFIEC NIC profile (RSSD 717924)