Southern Bank and Trust Company: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Southern Bank and Trust Company is a community bank chartered in 1901, based in Mount Olive, NC. On its most recent Q2 2026 call report, Southern Bank and Trust Company reported $5.3B in total assets against $4.8B in deposits. Returns are notably above industry norms: 1.83% ROA, 23.25% ROE, and 3.59% NIM. Capital cushions are healthy: 12.68% CET1, 9.63% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.12%. Its footprint covers 57 branches concentrated in North Carolina.
As of June 30, 2026, Southern Bank and Trust Company reported a CET1 capital ratio of 12.68%, a return on assets of 1.83%, a nonperforming-loan ratio of 0.12%, a Texas ratio of 1.11%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 100 N Center St, Mount Olive, NC 28365
- County
- Wayne
- Metro Area
- Goldsboro, NC
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1901
- Offices
- 57 domestic
- Employees (FTE)
- 603
- Domestic deposits
- $4.83B
- Allowance for credit losses
- $37.7M
- Net charge-offs (YTD)
- $64K
- Average total assets
- $5.50B
- Average total loans
- $3.53B
- Average interest-bearing deposits
- $3.31B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- March 2, 1936
- FDIC Cert
- 15359
- Fed RSSD
- 717924
- SEC CIK
- 703904 → filed by SOUTHERN BANCSHARES (N.C.), INC.
- Website
- www.southernbank.com →
- Parent Holding Company
- SOUTHERN BANCSHARES (N.C.), INC. (RSSD 1075694)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Southern Bank and Trust Company terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Southern Bank and Trust Company, freeSouthern Bank and Trust Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Southern Bank and Trust Company: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.68% | 1.83% | 0.12% | 1.11% | 3.59% |
| Q1 2026 | 13.12% | 0.85% | 0.12% | 0.96% | 3.50% |
| Q4 2025 | 12.93% | 2.01% | 0.13% | 1.01% | 3.40% |
| Q3 2025 | 13.44% | 0.69% | 0.15% | 1.18% | 3.20% |
| Q2 2025 | 13.28% | 1.37% | 0.14% | 1.20% | 3.11% |
| Q1 2025 | 13.23% | 0.44% | 0.17% | 1.48% | 2.83% |
| Q4 2024 | 13.16% | 1.70% | 0.18% | 1.74% | 2.68% |
| Q3 2024 | 12.85% | 1.18% | 0.19% | 1.75% | 2.57% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 56 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Ahoskie Branch | Ahoskie , NC | 27910 | $542.1M |
| North Breazeale Branch | Mount Olive , NC | 28365 | $224.1M |
| Norfolk Branch | Norfolk , VA | 23510 | $182.0M |
| East Ash Branch | Goldsboro , NC | 27534 | $170.1M |
| Nashville Branch | Nashville , NC | 27856 | $161.2M |
| Westridge Branch | Rocky Mount , NC | 27804 | $133.8M |
| Windsor Branch | Windsor , NC | 27983 | $128.7M |
| Lynnhaven Branch | Virginia Beach , VA | 23452 | $126.8M |
| Volvo Branch | Chesapeake , VA | 23320 | $125.0M |
| Wilmington Office | Wilmington , NC | 28405 | $120.9M |
| Greenville Main Branch | Greenville , NC | 27858 | $120.9M |
| Wilson Branch | Wilson , NC | 27896 | $117.0M |
| Manteo Branch | Manteo , NC | 27954 | $113.0M |
| Greenville Medical Center | Greenville , NC | 27834 | $112.8M |
| Rocky Mount Branch | Rocky Mount , NC | 27804 | $105.5M |
| Raleigh Office | Raleigh , NC | 27612 | $105.4M |
| Middlesex Branch | Middlesex , NC | 27557 | $103.7M |
| Hilltop Branch | Virginia Beach , VA | 23454 | $103.5M |
| Benvenue Branch | Rocky Mount , NC | 27804 | $100.1M |
| Edenton | Edenton , NC | 27932 | $95.4M |
| Kill Devil Hills Branch | Kill Devil Hills , NC | 27948 | $94.6M |
| Belhaven Branch | Belhaven , NC | 27810 | $91.1M |
| Elizabeth City Branch | Elizabeth City , NC | 27909 | $83.6M |
| Winterville Branch | Winterville , NC | 28590 | $82.5M |
| Kenansville Branch | Kenansville , NC | 28349 | $79.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2016 | Structure Change | Acquired Heritage Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2013 | Structure Change | Acquired The Heritage Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 24, 2011 | Structure Change | Acquired Bank of the Commonwealth Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 23, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
| May 16, 1998 | Structure Change | Acquired Enfield Savings Bank, Inc., SSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 15, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 9, 1993 | Structure Change | Acquired First American Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 10, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 10, 1993 | Structure Change | Acquired Citizens Savings Bank, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 30, 1986 | Structure Change | Acquired Tarheel Bank & Trust Co. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 29, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1973 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1973 | Structure Change | Acquired Merchants & Farmers Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 23, 1969 | Structure Change | Acquired Roanoke Chowan Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 16 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Southern Bank and Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in NC, rank 14 of 86 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,932 applications, 1,557 loans originated, $440.7M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Southern Bank and Trust Company’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Southern Bank and Trust Company with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Southern Bank and Trust Company
What are Southern Bank and Trust Company's total assets?
As of the Q2 2026 filing, Southern Bank and Trust Company reported total assets of $5.30 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Southern Bank and Trust Company headquartered?
Southern Bank and Trust Company is headquartered in Mount Olive, NC, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Southern Bank and Trust Company founded?
Southern Bank and Trust Company was established in 1901, per the FDIC institution directory.
Is Southern Bank and Trust Company FDIC-insured?
Yes. Southern Bank and Trust Company is an FDIC-insured commercial bank (FDIC Certificate #15359). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Southern Bank and Trust Company?
Southern Bank and Trust Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Southern Bank and Trust Company's CET1 capital ratio?
Southern Bank and Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 12.68% in its Q2 2026 call report, above regulatory requirements.
How many branches does Southern Bank and Trust Company operate?
Southern Bank and Trust Company operates 57 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 and Trust Company's Texas Ratio?
Southern Bank and Trust Company's Texas Ratio is 1.11% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on Southern Bank and Trust Company.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Southern Bank and Trust Company, freeFree account