Southern Bank Company, The
Gadsden, AL · Cert 29731 · Peer group: banks under $1B in assets (n=581-629) · Southern Banc Co. Inc. the
State charter, non-member · FDIC · 4 branches
Q2 2026
$133.1MAssets
$68.2MLoans
$104.8MDeposits
$17.9MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 100% of banks under $1B in assets (rank 1 of 629).
- Widest gap: nonperforming loans / loans trails 86% of banks under $1B in assets (rank 498 of 581).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.29%
Rank 206 of 629
Net Interest Margin
7.93%
Rank 1 of 629
Efficiency Ratio
72.15%
Rank 384 of 629
Equity / Assets
13.42%
Rank 174 of 629
Non-interest income vs. expense
Unfavorable gap of $7.5M · efficiency ratio beats 39% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.29% | 0.60% | 1.01% | 1.45% | Beats 67% | 206 / 629 | | |
| Return on Equity | 9.62% | 5.38% | 9.30% | 13.28% | Beats 51% | 307 / 629 | | |
| Net Interest Margin | 7.93% | 3.03% | 3.54% | 4.05% | Beats 100% | 1 / 629 | | |
| Efficiency Ratio | 72.15% | 58.35% | 67.79% | 79.08% | Beats 39% | 384 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.89% | 0.09% | 0.46% | 1.20% | Beats 14% | 498 / 581 | | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 34% | 387 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 15.05% | 11.24% | 13.84% | 18.77% | Beats 60% | 251 / 629 | | |
| Total Risk-Based Capital Ratio | 15.05% | 11.58% | 14.43% | 19.66% | Beats 54% | 290 / 629 | | |
| Equity / Assets | 13.42% | 9.09% | 10.65% | 13.80% | Beats 72% | 174 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 65.08% | 67.24% | 80.90% | 93.48% | 23rd pctl | 455 / 594 | | |
| Loans / Assets | 51.23% | 53.31% | 67.71% | 78.15% | 22nd pctl | 489 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |