Southern Bank Company, The
Gadsden, AL · Cert 29731 · Peer group: banks under $1B in assets (n=573-620) · 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 620).
- Widest gap: nonperforming loans / loans trails 85% of banks under $1B in assets (rank 486 of 573).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.29%
Rank 198 of 620
Net Interest Margin
7.93%
Rank 1 of 620
Efficiency Ratio
72.15%
Rank 376 of 620
Equity / Assets
13.42%
Rank 164 of 620
Non-interest income vs. expense
Unfavorable gap of $7.5M · efficiency ratio beats 40% 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% | 1.00% | 1.45% | Beats 68% | 198 / 620 | | |
| Return on Equity | 9.62% | 5.30% | 9.30% | 13.29% | Beats 52% | 298 / 620 | | |
| Net Interest Margin | 7.93% | 3.02% | 3.53% | 4.04% | Beats 100% | 1 / 620 | | |
| Efficiency Ratio | 72.15% | 58.35% | 68.08% | 79.37% | Beats 40% | 376 / 620 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.89% | 0.09% | 0.47% | 1.27% | Beats 15% | 486 / 573 | | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 32% | 389 / 573 | | |
| Capital |
| Tier 1 Capital Ratio | 15.05% | 11.27% | 13.87% | 18.78% | Beats 59% | 252 / 620 | | |
| Total Risk-Based Capital Ratio | 15.05% | 11.69% | 14.57% | 19.67% | Beats 54% | 287 / 620 | | |
| Equity / Assets | 13.42% | 9.03% | 10.60% | 13.73% | Beats 74% | 164 / 620 | | |
| Liquidity & Funding |
| Loans / Deposits | 65.08% | 65.08% | 79.69% | 92.47% | 25th pctl | 439 / 585 | | |
| Loans / Assets | 51.23% | 51.85% | 67.17% | 77.86% | 24th pctl | 471 / 620 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |