Southern Bank and Trust Company
Mount Olive, NC · Cert 15359 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Southern Bancshares N C Inc.
State charter, non-member · FDIC · 56 branches
Q2 2026
$5.3BAssets
$3.6BLoans
$4.8BDeposits
$433.7MEquity
Executive Summary
- Strongest standing: return on equity outperforms 91% of banks $1B-$10B in assets operating regionally (rank 15 of 176).
- Widest gap: equity / assets trails 89% of banks $1B-$10B in assets operating regionally (rank 156 of 176).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.39%
Rank 63 of 176
Net Interest Margin
3.37%
Rank 118 of 176
Efficiency Ratio
52.63%
Rank 44 of 176
Equity / Assets
8.18%
Rank 156 of 176
Non-interest income vs. expense
Unfavorable gap of $81.7M · efficiency ratio beats 76% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.39% | 0.93% | 1.26% | 1.54% | Beats 64% | 63 / 176 | | |
| Return on Equity | 16.98% | 9.26% | 11.89% | 14.46% | Beats 91% | 15 / 176 | | |
| Net Interest Margin | 3.37% | 3.25% | 3.59% | 3.93% | Beats 33% | 118 / 176 | | |
| Efficiency Ratio | 52.63% | 52.79% | 59.55% | 67.66% | Beats 76% | 44 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.12% | 0.30% | 0.64% | 1.32% | Beats 91% | 17 / 176 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.10% | Beats 74% | 46 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 12.68% | 11.15% | 12.72% | 14.15% | Beats 48% | 91 / 176 | | |
| Total Risk-Based Capital Ratio | 13.63% | 11.81% | 13.63% | 15.33% | Beats 50% | 88 / 176 | | |
| Equity / Assets | 8.18% | 9.16% | 10.35% | 11.80% | Beats 11% | 156 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 74.65% | 80.94% | 89.73% | 97.21% | 13th pctl | 154 / 176 | | |
| Loans / Assets | 67.95% | 69.25% | 75.12% | 80.82% | 19th pctl | 143 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |