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BDI
SB

Southern Bank

Spartanburg, South CarolinaFDIC Cert #16288

STATEEstablished 19458 branches

Holding company: SOUTHERN FINANCIAL CORPRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.95%
−21.8%y/y
Peer standing30th percentile
Peer standing in ubpr:primary:5
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing100th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + LNLSGR
Nonaccrual %
0.12%
−64.6%y/y
Peer standing70th percentile
Peer standing in ubpr:primary:5
FDICNAASSET + LNLSGR
Noncurrent %
0.12%
−64.6%y/y
Peer standing75th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.25%
−46.2%y/y
Peer standing57th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$983K
−36.2%y/y
Peer standing61st percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
−0.05%
−135.2%y/y
Peer standing96th percentile
Peer standing in ubpr:primary:5
FDICNTLNLS + LNLSGR
NCO
−$30K
−140.5%y/y
Peer standing94th percentile
Peer standing in ubpr:primary:5
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.00%
−4.3%y/y
Percentile by value21st percentileby value
Peer standing in ubpr:primary:5
FDICLNATRES + LNLSGR
30–89
$2.43M
−2.4%y/y
Peer standing39th percentile
Peer standing in ubpr:primary:5
FDICP3ASSET
90+
$0
Peer standing100th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET
Nonaccrual
$299K
−55.8%y/y
Peer standing73rd percentile
Peer standing in ubpr:primary:5
FDICNAASSET