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BDI
SB

Southern Bank and Trust Company

Mount Olive, North CarolinaFDIC Cert #15359

STATEEstablished 190156 branches

Holding company: SOUTHERN BANCSHARES N C INCRegulator: FDIC

FDICCERT + OFFDOM

What's happening here

As of Q1 2026FDICCall Report

Southern Bank and Trust Company reported $5.25B in total assets. Deposits grew 6.75% over the prior year.

Return on assets was 0.89%, compared with the official FFIEC UBPR peer median of 1.32%. The leverage ratio was 9.69%.

  • Why is CRE Concentration to Capital below its official FFIEC UBPR peers?
  • Why is Return on Assets below its official FFIEC UBPR peers?
  • Why is Tier 1 Leverage Ratio below its official FFIEC UBPR peers?

Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.

Latest reported quarter

Key metrics

Assets
$5.25B
+6.9%y/y
Percentile by value54th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICASSET
Deposits
$4.77B
+6.7%y/y
Percentile by value60th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICDEP
Net loans
$3.44B
+7.6%y/y
Percentile by value50th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNLSNET
ROA
0.89%
+43 bpsy/y
Peer standing14th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNETINC + ROA
Efficiency
53.23%
−875 bpsy/y
Peer standing62nd percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNONIX + NIM + NONII + EEFFR
Leverage
9.69%
+20 bpsy/y
Peer standing28th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICRBC1AAJ

Percentiles compare this bank with 236 ffiec ubpr peer group 3 — insured commercial banks having assets between $3 billion and $10 billion.

Side-by-side comparison

Southern Bank and Trust Company beside its official FFIEC UBPR peers

The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.

FFIEC + FDICUBPR membership + Call Report metrics
ROA

This bank

0.89%

Registry median

1.32%
ROE

This bank

10.90%

FFIEC trimmed average

12.46%
NIM

This bank

3.67%

Registry median

3.67%
Loans YoY

This bank

+7.62%

FFIEC trimmed average

+7.20%
Leverage

This bank

9.69%

FFIEC trimmed average

10.62%

FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.

FDICCall Report

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$4.14B$3.69B
Q3 2021$4.24B$3.79B
Q4 2021$4.42B$3.94B
Q1 2022$4.51B$4.15B
Q2 2022$4.58B$4.16B
Q3 2022$4.49B$4.14B
Q4 2022$4.59B$4.15B
Q1 2023$4.69B$4.14B
Q2 2023$4.65B$4.09B
Q3 2023$4.66B$4.1B
Q4 2023$4.76B$4.15B
Q1 2024$4.78B$4.15B
Q2 2024$4.8B$4.19B
Q3 2024$4.97B$4.38B
Q4 2024$5.01B$4.46B
Q1 2025$4.91B$4.47B
Q2 2025$4.94B$4.48B
Q3 2025$5.16B$4.66B
Q4 2025$5.2B$4.69B
Q1 2026$5.25B$4.77B

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$877M
Investor CRE$559M
Multifamily$113M
Construction$208M
1–4 family$1.24B
C&I$246M
Agriculture$155M
Other$73.2M

FFIEC UBPR comparison

How this bank compares

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
14th percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th 0.74%Median 1.32%90th 1.92%Observations 236
ROE
FDICNETINC + ROE
35th percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th 6.84%Median 12.52%90th 17.99%Observations 236
NIM
FDICNIM + NIMY
50th percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 2.82%Median 3.67%90th 4.51%Observations 236
Efficiency
FDICNONIX + NIM + NONII + EEFFR
62nd percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 42.39%Median 57.00%90th 72.99%Observations 236
Deposits YoY
FDICDEP
61st percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th −1.73%Median +5.18%90th +19.87%Observations 236
Loans YoY
FDICLNLSNET
56th percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th −2.10%Median +6.78%90th +19.98%Observations 236
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
7th percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 0.15%Median 0.62%90th 1.72%Observations 236
Leverage
FDICRBC1AAJ
27th percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 9.00%Median 10.35%90th 13.08%Observations 236

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
97th percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 1.86%Median 2.61%90th 3.59%Observations 236
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
19th percentileby valueToggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 104%Median 235%90th 346%Observations 214

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.

Branches & markets

Physical footprint

Domestic offices
56 branches
Headquarters
Mount Olive, NC
FDICOFFDOMOpen the North Carolina dashboard →

History

Institution established

Filings

Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data