Southern Bank and Trust Company
Mount Olive, NC
IDRSSD: 717924
Total Assets
$5.20B
Latest filing
Total Deposits
$4.69B
Latest filing
Net Interest Margin
3.57%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Southern Bank and Trust Company
100 N Center St
Mount Olive, NC 28365
Limited Service - Administrative
Updated 01/30/2026Established 01/01/1901FDIC Certificate 9687
Branches (55)
Page 1 of 8| Name | Address | City / State |
|---|---|---|
| Southern Bank and Trust Company (Main) | 100 N Center St | Mount Olive, NC |
| NORFOLK BRANCH | 403 Boush St | Norfolk, VA |
| GARLAND BRANCH | 83 S Bladen Ave | Garland, NC |
| SALEMBURG BRANCH | 102 North Main Street | Salemburg, NC |
| SCOTLAND NECK BRANCH | 810 Main St | Scotland Neck, NC |
| KENLY BRANCH | 101 W 2nd St | Kenly, NC |
| MIDDLESEX BRANCH | 11438 E Finch Ave | Middlesex, NC |
| FREMONT BRANCH | 100 Wilson Street | Fremont, NC |
Showing 7 of 55
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| 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 | 584 |
| 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 | 01/30/2026 |
| CERT | 15359 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $5.20B |
| Total Deposits | $4.69B |
| Total Liabilities | $4.77B |
| Total Equity Capital | $424.42M |
| Net Income | $27.23M |
| Net Loans and Leases | $3.39B |
| Assets Per Employee ($Millions) | $8.68M |
| Bank Premises and Fixed Assets | $59.20M |
| Cash and Balances due from Depository Institutions | $278.00M |
| Deposits Held in Domestic Offices | $4.69B |
Key Performance Ratios
| Return on Assets (ROA) | 2.1% |
| Return on Equity (ROE) | 25.82% |
| Net Interest Margin | 3.57% |
| Efficiency Ratio | 52.22% |
| Tier 1 Risk-Based Capital Ratio | 12.93% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.13% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.164% |
| Earning Assets to total Assets | 94.93% |
Income and Expense
| Total Interest Income | $57.54M |
| Total Noninterest Income | $7.36M |
| Total Interest Expense | $13.82M |
| Total Noninterest Expense | $26.68M |
| Net Interest Income | $43.73M |
| Pre-tax Net Operating Income | $22.73M |
| Provision for Credit Losses | $1.68M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $30.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $24.25M |
| All Other Liabilities | $25.52M |
| Total Liabilities and Capital | $5.20B |
Securities
| Securities | $1.33B |
| Available-for-sale debt securities | $1.25B |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Southern Bank and Trust Company?
$5.20B as of the latest filing.
How much are Southern Bank and Trust Company's total deposits?
$4.69B in total deposits.
Where is Southern Bank and Trust Company located?
Mount Olive, NC.
What is the Net Interest Margin?
3.57%.
How many domestic offices does it operate?
56.
When was it established?
01/01/1901.
What is the Return on Assets (ROA)?
2.1%.
How much are total loans and leases?
$3.39B (latest filing).
What is the total interest income (latest filing)?
$57.54M.