Southern Bank of Tennessee
Southern Bank of Tennessee is an FDIC-insured commercial bank headquartered in Mount Juliet, TN, supervised by the Federal Reserve, with $533.4M in total assets at Q2 2026, up 12.6% from Q2 2025, the 53rd largest of 109 banks headquartered in Tennessee. It was established in 1999 and holds FDIC certificate 34847. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.01% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 34847
- Headquarters
- Mount Juliet, TN
- Established
- 1999
- Total assets, Q2 2026
- $533.4M
- Assets vs Q2 2025
- +12.6%
- Tier 1 leverage ratio, Q2 2026
- 9.01%
- Domestic offices
- 5 · Southern Bank of Tennessee branches FDIC institution directory, current count
- Routing number
- 064208453
- Safety and soundness
- Is Southern Bank of Tennessee safe?
- Latest call report
- Q2 2026, FFIEC 041 · Southern Bank of Tennessee Q3 2026 call report, filed October 29, 2026 (preliminary)
- Holding company
- SB FINANCIAL, INC.
- Asset rank in state
- 53rd of 109 in Tennessee
Southern Bank of Tennessee pays more for its money than most banks of its size. Its balance sheet stood at $533 million at June 30, 2026, up 12.6% from a year earlier; it is based in Mount Juliet, Tennessee. It pays an average of 2.71% on its deposits and borrowings, higher than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 1.80%). It also grew deposits 13.5% over the year, about triple the median of 4.1% for banks its size.
Net income for the quarter slipped 13% from a year earlier, to $999,000. Over the same year, loans grew 8.0% and deposits grew 13.5%. Where it has less room is capital: it funds 9.01% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Southern Bank of Tennessee reported a return on assets of 0.78%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.37%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, Southern Bank of Tennessee is the 53rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 8.8% to $533.4M, loans rose 3.3% and deposits rose 9.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 44.4% of total loans, ahead of non-owner-occupied commercial real estate loans at 18.2%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in TN; its Mount Juliet office books 39% of its branch deposits. On its Q2 2026 call report, Southern Bank of Tennessee meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 675 N Mount Juliet Rd, Mount Juliet, TN 37122
- County
- Wilson
- Metro Area
- Nashville-Davidson-Murfreesboro-Franklin, TN
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- March 22, 1999
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 73
- Domestic deposits
- $469.4M
- Allowance for credit losses
- $3.5M
- Net charge-offs (YTD)
- $535K
- Average total assets
- $515.1M
- Average total loans
- $388.0M
- Average interest-bearing deposits
- $398.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 22, 1999
- FDIC Cert
- 34847
- Fed RSSD
- 2793593
- Website
- www.southernbankoftn.com →
- Parent Holding Company
- SB FINANCIAL, INC. (RSSD 5980358)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Southern Bank of Tennessee reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Southern Bank of Tennessee's total assets ranged from $394.1M (Q3 2023) to $533.4M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$533.4M total assets against $473.6M; $484.7M total liabilities against $430.2M.
$390.9M net loans and leases against $362.0M; $469.4M total deposits against $413.5M.
$74.9M securities against $46.0M; $38.5M cash and balances due against $43.6M.
$8.0M total interest income against $7.3M; $3.1M total interest expense against $3.0M.
$4.8M net interest income against $4.3M.
$405K total noninterest income against $321K; $3.6M total noninterest expense against $3.2M.
$330K provision for credit losses against $185K.
$999K net income against $1.1M.
0.78% return on assets against 0.97%; 3.92% net interest margin against 3.77%.
9.01% tier 1 leverage ratio against 9.02%.
Inside the full Southern Bank of Tennessee terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Southern Bank of Tennessee rankings
Its closest position to the top of a national ranking is 1,702 of 4,196, for total assets; its furthest is 3,043 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.50% (Q3 2024) to 1.81% (Q1 2026) and its net interest margin ran from 3.02% (Q3 2024) to 4.00% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.01% | 0.78% | 0.05% | 0.37% | 3.92% |
| Q1 2026 | 9.49% | 1.81% | 0.07% | 0.55% | 4.00% |
| Q4 2025 | 9.38% | 1.16% | 0.09% | 0.70% | 4.00% |
| Q3 2025 | 9.20% | 1.17% | 0.04% | 0.34% | 3.96% |
| Q2 2025 | 9.02% | 0.97% | 0.01% | 0.10% | 3.77% |
| Q1 2025 | 9.05% | 0.77% | 0.00% | 0.02% | 3.45% |
| Q4 2024 | 9.02% | 0.55% | 0.00% | 0.00% | 3.31% |
| Q3 2024 | 9.13% | 0.50% | 0.00% | 0.00% | 3.02% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Southern Bank of Tennessee (main office) | Mount Juliet , TN | 37122 | $183.7M |
| Smyrna Branch | Smyrna , TN | 37167 | $96.4M |
| Clinton Branch | Clinton , TN | 37716 | $84.6M |
| Lebanon Branch | Lebanon , TN | 37087 | $75.3M |
| Brentwood, Tn Branch - Maryland Farms | Brentwood , TN | 37027 | $29.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in TN, rank 73 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 206 applications, 165 loans originated, $67.3M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Southern Bank of Tennessee
What are Southern Bank of Tennessee's total assets?
As of the Q2 2026 filing, Southern Bank of Tennessee reported total assets of $533.4 million in its FFIEC call report.
Where is Southern Bank of Tennessee headquartered?
It is headquartered in Mount Juliet, TN, United States.
When was Southern Bank of Tennessee founded?
It was established in 1999, per the FDIC institution directory.
Is Southern Bank of Tennessee FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34847). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Southern Bank of Tennessee?
Southern Bank of Tennessee's primary federal regulator is the Federal Reserve.
How many branches does Southern Bank of Tennessee operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Southern Bank of Tennessee's Texas Ratio?
Its Texas Ratio is 0.37% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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