Southern Bank and Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 25.24 percentage points lower than in Q1 2026, at 872.01%. Southern Bank and Trust Company ranks 6th of 38 North Carolina banks on return on assets, in the upper half at 1.83% (Q2 2026). Southern Bank and Trust Company reported 1.83% on return on assets for Q2 2026, 0.55 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.68% |
| Tier 1 risk-based capital ratio | 12.68% |
| Total risk-based capital ratio | 13.63% |
| Tier 1 leverage ratio | 9.63% |
| Equity capital to assets | 8.18% |
| Tangible equity to tangible assets | 7.71% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.12% |
| Non-performing assets ratio | 0.09% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 1.11% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | 872.01% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.83% |
| Return on equity | 23.25% |
| Net interest margin | 3.59% |
| Efficiency ratio | 51.90% |
| Yield on earning assets | 4.51% |
| Cost of funds | 1.00% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.65% |
| Core deposits to total deposits | 93.67% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.03% |
| Securities to assets | 24.63% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.91% | 11.91% | 12.84% | 9.02% | 0.98% |
| Q4 2023 | 11.81% | 11.81% | 12.74% | 8.83% | 0.49% |
| Q1 2024 | 12.14% | 12.14% | 13.09% | 9.07% | 1.12% |
| Q2 2024 | 12.49% | 12.49% | 13.44% | 9.24% | 0.94% |
| Q3 2024 | 12.85% | 12.85% | 13.79% | 9.41% | 1.18% |
| Q4 2024 | 13.16% | 13.16% | 14.11% | 9.37% | 1.70% |
| Q1 2025 | 13.23% | 13.23% | 14.18% | 9.49% | 0.44% |
| Q2 2025 | 13.28% | 13.28% | 14.20% | 9.98% | 1.37% |
| Q3 2025 | 13.44% | 13.44% | 14.36% | 9.92% | 0.69% |
| Q4 2025 | 12.93% | 12.93% | 13.87% | 9.57% | 2.01% |
| Q1 2026 | 13.12% | 13.12% | 14.07% | 9.69% | 0.85% |
| Q2 2026 | 12.68% | 12.68% | 13.63% | 9.63% | 1.83% |
Southern Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Southern Bank and Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Southern Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15359) · FFIEC NIC profile (RSSD 717924)