Bank call report · Mount Juliet, TN
Southern Bank of Tennessee Call Report
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Southern Bank of Tennessee filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 299 reported line items, schedule by schedule (580 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 | 2793593 |
| FDIC certificate number | 34847 |
| Total assets | $533.4M |
Official Q2 2026 call report PDF (FFIEC) →
Southern Bank of Tennessee 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 (26 items)
About Schedule RC · Southern Bank of Tennessee balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $533.4M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $533.4M |
| Total Liabilities and Minority Interest | RCON2948 | $484.7M |
| Total Deposits | RCON2200 | $469.4M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $416.4M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $393.7M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $390.2M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $74.9M |
| Deposits: Noninterest-bearing | RCON6631 | $52.9M |
| Total Equity Capital | RCON3210 | $48.7M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $48.7M |
| Interest-bearing Balances | RCON0071 | $36.8M |
| Surplus | RCON3839 | $35.1M |
| Undivided Profits and Capital Reserves | RCON3632 | $16.3M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $13.9M |
| Other Assets | RCON2160 | $12.8M |
| Other Borrowed Money | RCON3190 | $10.0M |
| Other Liabilities, Total | RCON2930 | $5.4M |
| Allowance for Loan and Lease Losses | RCON3123 | $3.5M |
| Goodwill | RCON3163 | $2.4M |
| Intangible Assets | RCON2143 | $2.4M |
| Other Components of Equity Capital | RCONA130 | -$2.0M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $1.7M |
| Accumulated Other Comprehensive Income | RCONB530 | -$821K |
| Loans and Leases Held for Sale | RCON5369 | $689K |
| Common Stock | RCON3230 | $35K |
Schedule RI: Income Statement (38 items)
About Schedule RI · Southern Bank of Tennessee income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $15.4M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $13.5M |
| Net Interest Income | RIAD4074 | $9.5M |
| Total Noninterest Expense | RIAD4093 | $7.2M |
| Total Interest Expense | RIAD4073 | $5.9M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $5.8M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $5.8M |
| Salaries and Employee Benefits | RIAD4135 | $4.4M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $3.2M |
| Net Income (Loss) | RIAD4340 | $3.2M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $3.2M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $2.5M |
| 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 | $2.5M |
| Other Noninterest Expense | RIAD4092 | $2.2M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $2.0M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $1.8M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.8M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $1.1M |
| Total Noninterest Income | RIAD4079 | $760K |
| 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 | $732K |
| Applicable Income Taxes | RIAD4302 | -$689K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $616K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $609K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $589K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $550K |
| Provision for Loan and Lease Losses | RIAD4230 | $504K |
| Interest on Other Securities | RIAD4060 | $472K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $431K |
| Other Noninterest Income | RIADB497 | $264K |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $228K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $102K |
| Other Interest Income | RIAD4518 | $77K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $65K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $26K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $20K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $8K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 73 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (4 items)
Schedule RC-B: Securities (30 items)
About Schedule RC-B · Southern Bank of Tennessee securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $2.6M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $2.5M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $17.8M |
| 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 | $22.3M |
| 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 | $22.3M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $75.7M |
| Pledged Securities | RCON0416 | $27.1M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $22.3M |
| 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 | $17.6M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $15.2M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $14.7M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $13.0M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $12.9M |
| 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 | $12.2M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $10.4M |
| 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 | $10.4M |
| 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 | $5.1M |
| 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 Date of Over Three Months Through 12 Months | RCONA550 | $4.5M |
| Asset-backed Securities: Available-for-sale Amortized Cost | RCONC989 | $2.4M |
| Total (Asset-backed Securities) Fair Value - Available-for-sale | RCONC027 | $2.4M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $1.3M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $1.3M |
| 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 | $1.3M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $1.1M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $1.1M |
| 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 | $934K |
| 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 | $244K |
| 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 Months Through 12 Months | RCONA556 | $201K |
| 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 | $117K |
Schedule RC-C, Part I: Loans and Leases (34 items)
About Schedule RC-C, Part I · Southern Bank of Tennessee loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $394.3M |
| Pledged Loans and Leases | RCONG378 | $310.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $123.0M |
| 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 | $82.6M |
| 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 | $77.2M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $71.9M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $69.8M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $61.9M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $49.0M |
| 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 Five Years Through 15 Years | RCONA574 | $46.7M |
| 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 | $44.0M |
| 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 Three Years Through Five Years | RCONA567 | $43.9M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $43.2M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $27.0M |
| Commercial and Industrial Loans | RCON1766 | $24.2M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $24.2M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $21.7M |
| 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 Three Months Through 12 Months | RCONA571 | $21.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $19.1M |
| 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 Months Through 12 Months | RCONA565 | $17.6M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $17.6M |
| 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 | $17.5M |
| 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 | $16.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $9.1M |
| 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 15 Years | RCONA569 | $8.1M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $5.3M |
| Real Estate Loans Secured by Farmland | RCON1420 | $2.2M |
| Unearned Income on Loans | RCON2123 | $483K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $360K |
| 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 | $111K |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $21K |
| Other Loans | RCONJ464 | $21K |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $11K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $6K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (20 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 | $30.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $9.2M |
| 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 | $7.2M |
| 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 | $5.5M |
| 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 | $3.7M |
| 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 | $926K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $622K |
| 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 | $357K |
| 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 | $127K |
| 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 | $11K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 270 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 58 |
| 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 | 48 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 23 |
| 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 | 18 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 12 |
| 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 | 3 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 2 |
| 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 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 1 |
Schedule RC-E: Deposit Liabilities (34 items)
About Schedule RC-E · Southern Bank of Tennessee deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $388.3M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $355.7M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $153.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $116.9M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $101.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $86.5M |
| Total Transaction Accounts | RCON2215 | $81.1M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $79.5M |
| 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 Over Three Months Through 12 Months | RCONHK13 | $72.6M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $69.4M |
| 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 | $57.3M |
| Total Demand Deposits (See Note Below) | RCON2210 | $53.6M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $32.3M |
| 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 | $29.1M |
| 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 One Year Through Three Years | RCONHK09 | $27.5M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $24.8M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $23.2M |
| 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 | $22.2M |
| Total Brokered Deposits | RCON2365 | $21.5M |
| Total reciprocal deposits | RCONJH83 | $19.4M |
| Brokered Deposits of More Than $250,000 with a Remaining Maturity of One Year or Less | RCONK220 | $16.5M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $15.3M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $11.8M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $10.9M |
| 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 | $10.2M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $6.5M |
| 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 Over Three Years | RCONHK15 | $5.0M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $4.9M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $4.9M |
| 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 | $4.3M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $744K |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $247K |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $4K |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $4K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $5.3M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $2.5M |
| Other Assets | RCON2168 | $2.0M |
| Accrued Interest Receivable | RCONB556 | $1.8M |
| Net Deferred Tax Assets | RCON2148 | $1.3M |
| Prepaid Expenses | RCON2166 | $1.2M |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $2.2M |
| All Other Liabilities | RCON2938 | $1.4M |
| Operating lease liabilities | RCONLB56 | $1.4M |
| Other Expenses Accrued and Unpaid | RCON3646 | $1.4M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $301K |
Schedule RC-K: Quarterly Averages (17 items)
About Schedule RC-K · Southern Bank of Tennessee quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $515.1M |
| Quarterly Average of Total Loans | RCON3360 | $388.0M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $176.9M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $172.4M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $161.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $113.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $98.3M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $38.7M |
| Mortgage-backed Securities | RCONB559 | $31.0M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $26.1M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $25.8M |
| All Other Securities | RCONB560 | $16.8M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $16.3M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $13.1M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $10.0M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $11K |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $2K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (11 items)
About Schedule RC-L · Southern Bank of Tennessee 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 | $39.0M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $30.0M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $20.9M |
| Purchased OTC Interest Rate Option Contracts | RCON8713 | $15.0M |
| Written OTC Interest Rate Option Contracts | RCON8709 | $15.0M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $13.5M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $12.7M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $5.7M |
| Performance Standby Letters of Credit | RCON3821 | $1.9M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $699K |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8741 | $92K |
Schedule RC-M: Memoranda (5 items)
About Schedule RC-M · Southern Bank of Tennessee 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 | $14.3M |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $7.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $7.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $3.0M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 4 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (10 items)
About Schedule RC-N · Southern Bank of Tennessee 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 | $458K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $259K |
| Additions to Nonaccrual Assets | RCONC410 | $149K |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $149K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $141K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $75K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $74K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $58K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing | RCONK217 | $34K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $34K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Southern Bank of Tennessee other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $515.1M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $471.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $246.9M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $209.1M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $47.0M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $8.2M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $7.3M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 5,724 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 311 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 149 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 15 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (23 items)
About Schedule RC-R, Part I · Southern Bank of Tennessee regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCOA2170 | $533.4M |
| Average total consolidated assets | RCOAKW03 | $515.1M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $511.7M |
| 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 | $112.5M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $91.7M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $48.7M |
| Common Equity Tier 1 Capital | RCOAP859 | $46.1M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $46.1M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $46.1M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $33.2M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $20.8M |
| Retained Earnings | RCOAKW00 | $16.3M |
| 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 | $3.4M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $2.4M |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCOAP843 | $1.0M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$820K |
| 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 | -$799K |
| Amount of allowances for credit losses on purchased credit-deteriorated assets - Loans and leases held for investment | RCOAJJ30 | $76K |
| Accumulated Net Gains (Losses)on Cash-flow Hedges (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP846 | -$21K |
| 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 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.211 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0901 |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Assets Sold with Recourse or Other Seller-provided Credit Enhancements and Not Securitized - 1-4 Family Residential Loans | RCONB790 | $18.2M |
| Maximum Amount of Credit Exposure Arising from Recourse or Other Seller-provided Credit Enhancements Provided to Assets Reported in Item 11: 1-4 Family Residential Loans | RCONB797 | $18.2M |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $48.7M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $46.3M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $46.3M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $1.4M |
| Treasury Stock Transactions, Net | RIADB510 | $647K |
| Other Comprehensive Income | RIADB511 | -$33K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (6 items)
About Schedule RI-B, Part I · Southern Bank of Tennessee charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $556K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $287K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $269K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $21K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $11K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $10K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (5 items)
About Schedule RI-B, Part II · Southern Bank of Tennessee changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $3.5M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $3.4M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $556K |
| Adjustments | RIADC233 | $76K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $46K |
Schedule RI-E: Explanations (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Data Processing Expenses | RIADC017 | $305K |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $263K |
| Telecommunications Expense | RIADF559 | $217K |
| Bank Card and Credit Card Interchange Fees | RIADF555 | $139K |
| Initial allowances for credit losses recognized upon the acquisition of purchased credit deterioriated assets on or after the effective date of ASU 2016-13 | RIADJJ27 | $76K |
Southern Bank of Tennessee 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 of Tennessee call report?
The Southern Bank of Tennessee 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 of Tennessee file?
Southern Bank of Tennessee 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 of Tennessee 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 of Tennessee has Federal Reserve RSSD ID 2793593 and FDIC certificate number 34847. Either one finds its filings on the FFIEC Central Data Repository.
How often does Southern Bank of Tennessee 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 of Tennessee 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 34847) · FFIEC NIC profile (RSSD 2793593)