Southern Community Bank & Trust
Midlothian, VA · Cert 35111 · Peer group: banks under $1B in assets (n=547-599)
FDIC · 9 branches
Q1 2025
$738.6MAssets
$600.0MLoans
$639.2MDeposits
$84.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 74% of banks under $1B in assets (rank 157 of 598).
- Widest gap: efficiency ratio trails 93% of banks under $1B in assets (rank 557 of 598).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
-0.02%
Rank 542 of 599
Net Interest Margin
3.82%
Rank 157 of 598
Efficiency Ratio
103.07%
Rank 557 of 598
Equity / Assets
11.42%
Rank 210 of 598
Non-interest income vs. expense
Unfavorable gap of $30.2M · efficiency ratio beats 7% 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 | -0.02% | 0.47% | 0.86% | 1.38% | Beats 10% | 542 / 599 | | |
| Return on Equity | -0.15% | 4.56% | 8.90% | 12.65% | Beats 9% | 542 / 598 | | |
| Net Interest Margin | 3.82% | 2.82% | 3.31% | 3.84% | Beats 74% | 157 / 598 | | |
| Efficiency Ratio | 103.07% | 60.53% | 70.73% | 82.91% | Beats 7% | 557 / 598 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.06% | 0.34% | 0.91% | Beats 70% | 164 / 547 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 58% | 234 / 547 | | |
| Capital |
| Tier 1 Capital Ratio | 14.04% | 11.11% | 13.78% | 18.22% | Beats 52% | 290 / 598 | | |
| Total Risk-Based Capital Ratio | 14.68% | 11.62% | 14.42% | 19.14% | Beats 52% | 287 / 598 | | |
| Equity / Assets | 11.42% | 8.34% | 10.07% | 12.96% | Beats 65% | 210 / 598 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.87% | 60.71% | 77.02% | 90.89% | 81st pctl | 104 / 561 | | |
| Loans / Assets | 81.24% | 54.47% | 67.19% | 77.36% | 86th pctl | 75 / 547 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |