Southern Bank and Trust Company
Southern Bank and Trust Company quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.3B | $4.8B | $3.4B | $432M | $12M | 0.89% | 10.90% | 3.67% | 0.12% |
| Q4 2025 | $5.2B | $4.7B | $3.4B | $424M | $27M | 1.19% | 15.44% | 3.33% | 0.13% |
| Q3 2025 | $5.2B | $4.7B | $3.3B | $419M | $9M | 0.87% | 11.49% | 3.24% | 0.15% |
| Q2 2025 | $4.9B | $4.5B | $3.3B | $392M | $18M | 0.95% | 12.88% | 3.17% | 0.14% |
| Q1 2025 | $4.9B | $4.5B | $3.2B | $365M | $6M | 0.47% | 6.59% | 3.04% | 0.17% |
| Q4 2024 | $5.0B | $4.5B | $3.2B | $338M | $22M | 1.30% | 19.90% | 2.74% | 0.18% |
| Q3 2024 | $5.0B | $4.4B | $3.2B | $360M | $15M | 1.13% | 17.42% | 2.69% | 0.20% |
| Q2 2024 | $4.8B | $4.2B | $3.2B | $306M | $12M | 1.08% | 17.35% | 2.68% | 0.21% |
| Q1 2024 | $4.8B | $4.2B | $3.1B | $296M | $14M | 1.18% | 19.13% | 2.68% | 0.21% |
| Q4 2023 | $4.8B | $4.2B | $3.1B | $292M | $6M | 1.08% | 19.92% | 2.72% | 0.24% |
| Q3 2023 | $4.7B | $4.1B | $3.0B | $226M | $12M | 1.27% | 24.27% | 2.74% | 0.25% |
| Q2 2023 | $4.7B | $4.1B | $3.0B | $265M | $17M | 1.39% | 25.91% | 2.78% | 0.28% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.