Bank call report · Gadsden, AL
The Southern Bank Company Call Report
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The Southern Bank Company filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 242 reported line items, schedule by schedule (590 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 | 117775 |
| FDIC certificate number | 29731 |
| Total assets | $133.1M |
Official Q2 2026 call report PDF (FFIEC) →
The Southern Bank 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 (22 items)
About Schedule RC · The Southern Bank Company balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $133.1M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $133.1M |
| Total Liabilities and Minority Interest | RCON2948 | $115.2M |
| Total Deposits | RCON2200 | $104.8M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $93.6M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $68.2M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $66.5M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $43.4M |
| Interest-bearing Balances | RCON0071 | $18.9M |
| Total Equity Capital | RCON3210 | $17.9M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $17.9M |
| Undivided Profits and Capital Reserves | RCON3632 | $12.3M |
| Deposits: Noninterest-bearing | RCON6631 | $11.2M |
| Other Liabilities, Total | RCON2930 | $10.5M |
| Surplus | RCON3839 | $7.7M |
| Other Assets | RCON2160 | $2.7M |
| Accumulated Other Comprehensive Income | RCONB530 | -$2.2M |
| Allowance for Loan and Lease Losses | RCON3123 | $1.7M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $1.1M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $364K |
| Federal Funds Sold | RCONB987 | $135K |
| Common Stock | RCON3230 | $1K |
Schedule RI: Income Statement (37 items)
About Schedule RI · The Southern Bank Company income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $6.6M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $5.7M |
| Net Interest Income | RIAD4074 | $5.3M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $5.0M |
| Total Noninterest Expense | RIAD4093 | $4.0M |
| Salaries and Employee Benefits | RIAD4135 | $2.5M |
| Total Interest Expense | RIAD4073 | $1.3M |
| Other Noninterest Expense | RIAD4092 | $1.3M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $1.1M |
| 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 | $1.1M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $859K |
| Net Income (Loss) | RIAD4340 | $859K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $859K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $634K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $488K |
| Provision for Loan and Lease Losses | RIAD4230 | $392K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $390K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $387K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $375K |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $355K |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $309K |
| Applicable Income Taxes | RIAD4302 | $286K |
| Total Noninterest Income | RIAD4079 | $232K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $213K |
| Other Noninterest Income | RIADB497 | $179K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $177K |
| Interest on Other Securities | RIAD4060 | $98K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $66K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $53K |
| Income from Lease Financing Receivables | RIAD4065 | $21K |
| 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 | $14K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $8K |
| Other Interest Income | RIAD4518 | $4K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $2K |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | -$2K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 40 |
Schedule RC-B: Securities (27 items)
About Schedule RC-B · The Southern Bank 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 | $5K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $5K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $18.7M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $17.6M |
| 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 | $2.0M |
| 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 | $2.0M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $46.3M |
| Pledged Securities | RCON0416 | $18.4M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $13.7M |
| 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 | $12.8M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $12.6M |
| 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 | $9.9M |
| 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 | $7.1M |
| 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 | $6.6M |
| 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 | $6.4M |
| 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 | $4.9M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $4.8M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $4.6M |
| 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 | $2.6M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $2.0M |
| 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 Three Years Through Five Years | RCONA558 | $1.4M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $1.2M |
| 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 One Year Through Three Years | RCONA557 | $1.2M |
| 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 Months Through 12 Months | RCONA550 | $995K |
| 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 | $995K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $751K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $104K |
Schedule RC-C, Part I: Loans and Leases (26 items)
About Schedule RC-C, Part I · The Southern Bank Company loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $68.2M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $48.4M |
| Commercial and Industrial Loans | RCON1766 | $42.9M |
| 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 | $41.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $6.5M |
| 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 | $6.2M |
| 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 Five Years Through 15 Years | RCONA574 | $5.1M |
| 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 | $5.0M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $4.1M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $3.9M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $3.2M |
| 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 One Year Through Three Years | RCONA572 | $3.1M |
| 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 | $2.8M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $2.5M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $2.1M |
| 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 | $1.9M |
| Lease Financing Receivables (Net of Unearned Income) | RCON2165 | $1.9M |
| 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 | $527K |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $470K |
| 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 | $422K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $202K |
| Real Estate Loans Secured by Farmland | RCON1420 | $189K |
| 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 | $188K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $181K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $61K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $14K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (14 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| 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 | $19.3M |
| 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 | $5.3M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $4.9M |
| 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 | $3.4M |
| 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 | $1.0M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $282K |
| 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 | $189K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 174 |
| 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 | 126 |
| 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 | 47 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 13 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 8 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 7 |
| 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 | 2 |
Schedule RC-E: Deposit Liabilities (24 items)
About Schedule RC-E · The Southern Bank Company deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $78.4M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $68.9M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $30.7M |
| Total Transaction Accounts | RCON2215 | $26.3M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $26.3M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $25.7M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $23.5M |
| 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 | $20.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $18.9M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $16.6M |
| 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 Three Months Through 12 Months | RCONHK13 | $15.1M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $12.7M |
| Total Demand Deposits (See Note Below) | RCON2210 | $11.2M |
| 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 | $10.6M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $9.5M |
| 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 | $8.4M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $5.5M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $4.5M |
| 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 | $4.2M |
| 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 | $2.2M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $2.1M |
| 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 Years | RCONHK10 | $679K |
| Total reciprocal deposits | RCONJH83 | $345K |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $38K |
Schedule RC-F: Other Assets (5 items)
Schedule RC-G: Other Liabilities (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $9.4M |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $8.8M |
| Other Expenses Accrued and Unpaid | RCON3646 | $1.0M |
| Operating lease liabilities | RCONLB56 | $410K |
| Accounts Payable | RCON3066 | $192K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $17K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $10K |
Schedule RC-K: Quarterly Averages (17 items)
About Schedule RC-K · The Southern Bank Company quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $133.0M |
| Quarterly Average of Total Loans | RCON3360 | $65.5M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $42.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $35.5M |
| Mortgage-backed Securities | RCONB559 | $28.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $24.6M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $18.1M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $16.2M |
| All Other Securities | RCONB560 | $13.8M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $13.6M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $12.9M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $10.1M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $4.8M |
| Lease Financing Receivables (Net of Unearned Income) - Quarterly Average | RCON3484 | $1.3M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $236K |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $135K |
| Quarterly Average of Other Borrowed Money | RCON3355 | $26K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (4 items)
About Schedule RC-L · The Southern Bank Company derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $3.6M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $767K |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $206K |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $47K |
Schedule RC-M: Memoranda (1 item)
About Schedule RC-M · The Southern Bank Company memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $344K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (12 items)
About Schedule RC-N · The Southern Bank 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 | $2.3M |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $2.2M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $1.3M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $606K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $590K |
| 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 | $125K |
| 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 | $53K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $32K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $9K |
| Additions to Nonaccrual Assets | RCONC410 | $2K |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $1K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $1K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · The Southern Bank Company other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $133.0M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $104.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $56.9M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $42.4M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $20.0M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $4.6M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $896K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 2,249 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 180 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 75 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 3 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (17 items)
About Schedule RC-R, Part I · The Southern Bank Company regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCOA2170 | $133.1M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $133.0M |
| Average total consolidated assets | RCOAKW03 | $133.0M |
| Common Equity Tier 1 Capital | RCOAP859 | $20.0M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $20.0M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $20.0M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $17.9M |
| Retained Earnings | RCOAKW00 | $12.3M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $7.7M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $4.6M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $4.6M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$2.2M |
| 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 | -$2.2M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1505 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0346 |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $17.9M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $17.2M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $17.2M |
| Other Comprehensive Income | RIADB511 | -$202K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (5 items)
About Schedule RI-B, Part I · The Southern Bank Company charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $238K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $237K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $23K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $23K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · The Southern Bank Company changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $1.7M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $1.1M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $23K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$5K |
Schedule RI-E: Explanations (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Data Processing Expenses | RIADC017 | $412K |
| Consulting and Advisory Expense | RIADF557 | $235K |
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $173K |
| Marketing and Other Professional Services | RIAD0497 | $168K |
The Southern Bank 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 The Southern Bank Company call report?
The The Southern Bank 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 The Southern Bank Company file?
The Southern Bank 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 The Southern Bank Company call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: The Southern Bank Company has Federal Reserve RSSD ID 117775 and FDIC certificate number 29731. Either one finds its filings on the FFIEC Central Data Repository.
How often does The Southern Bank 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.
The Southern Bank 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 29731) · FFIEC NIC profile (RSSD 117775)