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Southern Bank

Sardis, GA
IDRSSD: 307334
Total Assets
$360.78M
Latest filing
Total Deposits
$307.06M
Latest filing
Net Interest Margin
3.56%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date07/02/1945
Community BankYes
Ownership TypeNot Mutual
ZIP30456
State and County Number13033
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number06
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictAtlanta
Core Based Statistical Area NameAugusta-Richmond County, GA-SC

Operational Info

Number of Employees63
Domestic Offices7
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance07/02/1945
Primary Insurance AgencyDIF
Websitewww.thesouthern.bank
Data Updated11/14/2025
CERT16288
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$360.78M
Total Deposits$307.06M
Total Liabilities$330.22M
Total Equity Capital$30.57M
Net Income$215.00k
Net Loans and Leases$220.86M
Assets Per Employee ($Millions)$5.31M
Bank Premises and Fixed Assets$16.06M
Cash and Balances due from Depository Institutions$11.23M
Deposits Held in Domestic Offices$307.06M

Key Performance Ratios

Return on Assets (ROA)0.24%
Return on Equity (ROE)2.91%
Net Interest Margin3.56%
Efficiency Ratio85.86%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.17%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets8.472%
Earning Assets to total Assets91.55%

Income and Expense

Total Interest Income$5.39M
Total Noninterest Income$206.00k
Total Interest Expense$2.50M
Total Noninterest Expense$2.65M
Net Interest Income$2.88M
Pre-tax Net Operating Income$287.00k
Provision for Credit Losses$150.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$714.00k
Other borrowed funds$20.00M
Federal Funds Sold & Reverse Repurchase Agreement$8.45M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$3.16M
Total Liabilities and Capital$360.78M

Securities

Securities$92.65M
Available-for-sale debt securities$92.65M
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

Frequently Asked Questions

What are the total assets of Southern Bank?
$360.78M as of the latest filing.
How much are Southern Bank's total deposits?
$307.06M in total deposits.
Where is Southern Bank located?
Sardis, GA.
What is the Net Interest Margin?
3.56%.
How many domestic offices does it operate?
7.
When was it established?
07/02/1945.
What is the Return on Assets (ROA)?
0.24%.
How much are total loans and leases?
$220.86M (latest filing).
What is the total interest income (latest filing)?
$5.39M.