Southern Bank of Tennessee
Mount Juliet, TN · Cert 34847 · Peer group: banks under $1B in assets (n=581-629) · SB Financial Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
$533.4MAssets
$394.3MLoans
$469.4MDeposits
$48.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 81% of banks under $1B in assets (rank 114 of 581).
- Widest gap: total risk-based capital ratio trails 99% of banks under $1B in assets (rank 620 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.19%
Rank 244 of 629
Net Interest Margin
3.70%
Rank 267 of 629
Efficiency Ratio
70.31%
Rank 358 of 629
Equity / Assets
9.13%
Rank 468 of 629
Non-interest income vs. expense
Unfavorable gap of $12.9M · efficiency ratio beats 43% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.19% | 0.60% | 1.01% | 1.45% | Beats 61% | 244 / 629 | |
| Return on Equity | 13.05% | 5.38% | 9.30% | 13.28% | Beats 74% | 166 / 629 | |
| Net Interest Margin | 3.70% | 3.03% | 3.54% | 4.05% | Beats 58% | 267 / 629 | |
| Efficiency Ratio | 70.31% | 58.35% | 67.79% | 79.08% | Beats 43% | 358 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.09% | 0.46% | 1.20% | Beats 81% | 114 / 581 | |
| Net Charge-Offs / Loans | 0.14% | n/a | 0.01% | 0.06% | Beats 11% | 518 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 9.01% | 11.24% | 13.84% | 18.77% | Beats 1% | 620 / 629 | |
| Total Risk-Based Capital Ratio | 9.01% | 11.58% | 14.43% | 19.66% | Beats 1% | 620 / 629 | |
| Equity / Assets | 9.13% | 9.09% | 10.65% | 13.80% | Beats 26% | 468 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 84.02% | 67.24% | 80.90% | 93.48% | 55th pctl | 270 / 594 | |
| Loans / Assets | 73.93% | 53.31% | 67.71% | 78.15% | 63rd pctl | 231 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |