Southern Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Southern Bank and Trust Company of Mount Olive, NC against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.83% | 1.46% | +0.37% | 82nd top |
| ROAE | 23.25% | 12.69% | +10.56% | 94th top |
| Net Interest Margin | 3.59% | 3.85% | -0.26% | 41st below |
| Efficiency Ratio | 51.90% | 57.42% | -5.52% | 70th above |
| PPNR / Avg Assets | 1.93% | 1.88% | +0.05% | 64th above |
| Yield on Earning Assets | 4.51% | 5.72% | -1.21% | 7th bottom |
| Cost of Funds | 1.00% | 2.02% | -1.02% | 94th top |
| Net Interest Spread | 3.03% | 3.18% | -0.15% | 47th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 1.00% | -0.88% | 87th top |
| NPA / Total Assets | 0.09% | 0.76% | -0.67% | 87th top |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 63rd above |
| ACL / Total Loans | 1.05% | 1.31% | -0.26% | 36th below |
| ACL / NPLs (Coverage) | 872.01% | 542.66% | +329.35% | 89th top |
| Texas Ratio | 1.11% | 7.40% | -6.29% | 86th top |
| Provision / NCO | 2593.75% | 613.80% | +1979.95% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.68% | 17.35% | -4.67% | 36th below |
| Tier 1 Ratio | 12.68% | 17.38% | -4.70% | 36th below |
| Total Capital Ratio | 13.63% | 18.43% | -4.80% | 33rd below |
| Leverage Ratio | 9.63% | 11.44% | -1.81% | 26th below |
| Equity / Assets | 8.18% | 11.34% | -3.16% | 9th bottom |
| TCE / Tangible Assets | 7.71% | 10.51% | -2.80% | 8th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.65% | 86.98% | -12.33% | 79th top |
| Core Deposit Ratio | 93.67% | 85.54% | +8.13% | 77th top |
| Uninsured Deposit Ratio | 47.66% | 33.09% | +14.57% | 11th bottom |
| Wholesale Funding Ratio | 0.33% | 5.72% | -5.39% | 90th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.31% | 9.69% | -2.38% | 64th above |
| Loan Growth (Y/Y) | 8.44% | 8.06% | +0.38% | 67th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.82% | 7.87% | -0.05% | 66th above |
See Southern Bank and Trust Company's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Southern Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Southern Bank and Trust Company profile, how to read a UBPR, or how this data updates.