Southern Bank of Tennessee
Mount Juliet, TN
IDRSSD: 2793593
Total Assets
$477.61M
Latest filing
Total Deposits
$416.66M
Latest filing
Net Interest Margin
4.06%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
064208453MOUNT JULIET, TN
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Southern Bank of Tennessee
675 N Mount Juliet Rd
Mount Juliet, TN 37122
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/22/1999FDIC Certificate 61803
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Southern Bank of Tennessee (Main) | 675 N Mount Juliet Rd | Mount Juliet, TN |
| SMYRNA BRANCH | 403 S Lowry St | Smyrna, TN |
| CLINTON BRANCH | 151 E Broad St | Clinton, TN |
| LEBANON BRANCH | 1213 W Main St | Lebanon, TN |
| BRENTWOOD, TN BRANCH - MARYLAND FARMS | 5109 Peter Taylor Park Drive, Ste 200 | Brentwood, TN |
Showing 4 of 4
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 member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 03/22/1999 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 37122 |
| State and County Number | 47189 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Nashville-Davidson-Murfreesboro-Franklin, TN |
Operational Info
| Number of Employees | 70 |
| Domestic Offices | 5 |
| 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 | 03/22/1999 |
| Primary Insurance Agency | DIF |
| Website | www.southernbankoftn.com |
| Data Updated | 01/30/2026 |
| CERT | 34847 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $477.61M |
| Total Deposits | $416.66M |
| Total Liabilities | $431.32M |
| Total Equity Capital | $46.29M |
| Net Income | $1.39M |
| Net Loans and Leases | $369.17M |
| Assets Per Employee ($Millions) | $6.73M |
| Bank Premises and Fixed Assets | $13.94M |
| Cash and Balances due from Depository Institutions | $33.88M |
| Deposits Held in Domestic Offices | $416.66M |
Key Performance Ratios
| Return on Assets (ROA) | 1.16% |
| Return on Equity (ROE) | 12.21% |
| Net Interest Margin | 4.06% |
| Efficiency Ratio | 69.6% |
| Tier 1 Risk-Based Capital Ratio | 12.06% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.2% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.693% |
| Earning Assets to total Assets | 95.04% |
Income and Expense
| Total Interest Income | $7.53M |
| Total Noninterest Income | $339.00k |
| Total Interest Expense | $2.92M |
| Total Noninterest Expense | $3.44M |
| Net Interest Income | $4.61M |
| Pre-tax Net Operating Income | $1.27M |
| Provision for Credit Losses | $235.00k |
| 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 | $10.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.66M |
| Total Liabilities and Capital | $477.61M |
Securities
| Securities | $52.84M |
| Available-for-sale debt securities | $52.84M |
| 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 of Tennessee?
$477.61M as of the latest filing.
How much are Southern Bank of Tennessee's total deposits?
$416.66M in total deposits.
Where is Southern Bank of Tennessee located?
Mount Juliet, TN.
What is the Net Interest Margin?
4.06%.
How many domestic offices does it operate?
5.
When was it established?
03/22/1999.
What is the Return on Assets (ROA)?
1.16%.
How much are total loans and leases?
$369.17M (latest filing).
What is the total interest income (latest filing)?
$7.53M.