Institution Class	Commercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary Regulator	FDIC
Established Date	01/01/1901
Community Bank	No
Ownership Type	Not Mutual
ZIP	28365
State and County Number	37191
Subchapter S Corporations	No
Trust Powers	Full Trust Powers Granted
Federal Reserve ID Number	05
Numeric code	21
Insured by FDIC	Institutions that are currently open and insured by the FDIC
Federal Reserve District	Atlanta
Core Based Statistical Area Name	Goldsboro, NC

Operational Info

Number of Employees	579
Domestic Offices	56
Foreign Offices	0
US Offices	0
Directly owned by another bank (CERT)	No
Last Structure Change Effective Date	08/31/2022
Date of Deposit Insurance	03/02/1936
Primary Insurance Agency	DIF
Website	www.southernbank.com
Data Updated	11/14/2025
CERT	15359
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$5.16B
Total Deposits	$4.66B
Total Liabilities	$4.74B
Total Equity Capital	$419.41M
Net Income	$9.13M
Net Loans and Leases	$3.33B
Assets Per Employee ($Millions)	$8.83M
Bank Premises and Fixed Assets	$60.29M
Cash and Balances due from Depository Institutions	$354.58M
Deposits Held in Domestic Offices	$4.66B

Return on Assets (ROA)	0.72%
Return on Equity (ROE)	9.01%
Net Interest Margin	3.42%
Efficiency Ratio	54.78%
Tier 1 Risk-Based Capital Ratio	13.437%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	8.134%
Earning Assets to total Assets	94.55%

Total Interest Income	$55.71M
Total Noninterest Income	$8.01M
Total Interest Expense	$15.00M
Total Noninterest Expense	$26.69M
Net Interest Income	$40.71M
Pre-tax Net Operating Income	$22.08M
Provision for Credit Losses	$-47,000
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	$0
Other Real Estate Owned	$11.00k
Other borrowed funds	$30.00M
Federal Funds Sold & Reverse Repurchase Agreement	$0
Federal Funds Purchased and Repurchased Agreement	$18.89M
All Other Liabilities	$24.79M
Total Liabilities and Capital	$5.16B

Securities	$1.26B
Available-for-sale debt securities	$1.20B
Equity securities with readily determinable fair values not held for trading	$0
Held-to-maturity securities	$0
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

What are the total assets of Southern Bank and Trust Company?

$5.16B as of the latest filing.

How much are Southern Bank and Trust Company's total deposits?

$4.66B in total deposits.

Where is Southern Bank and Trust Company located?

Mount Olive, NC.

What is the Net Interest Margin?

3.42%.

How many domestic offices does it operate?

56.

When was it established?

01/01/1901.

What is the Return on Assets (ROA)?

0.72%.

How much are total loans and leases?

$3.33B (latest filing).

What is the total interest income (latest filing)?

$55.71M.