Southern Bank
Sardis, GA
IDRSSD: 307334
Total Assets
$370.88M
Latest filing
Total Deposits
$317.03M
Latest filing
Net Interest Margin
3.44%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
061212235SARDIS, GA
Key People
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Locations
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Main Office
Southern Bank
731 Charles Perry Ave
Sardis, GA 30456
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/02/1945FDIC Certificate 10476
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Southern Bank (Main) | 731 Charles Perry Ave | Sardis, GA |
| HEPHZIBAH BRANCH | 2455 Ga Highway 88 | Hephzibah, GA |
| WAYNESBORO OFFICE BRANCH | 855 N Liberty St | Waynesboro, GA |
| GIBSON BRANCH | 21 College St | Gibson, GA |
| CLEVELAND STREET GREENVILLE BRANCH | 101 Cleveland St | Greenville, SC |
| SPARTANBURG BRANCH | 468 E. Main St. | Spartanburg, SC |
| AIKEN BRANCH | 108 Barnwell Avenue Nw | Aiken, SC |
| MYRTLE BEACH BRANCH | 1312 Professional Dr | Myrtle Beach, SC |
Showing 7 of 7
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 | 07/02/1945 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30456 |
| State and County Number | 13033 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| 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 | Augusta-Richmond County, GA-SC |
Operational Info
| Number of Employees | 68 |
| Domestic Offices | 8 |
| 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 | 07/02/1945 |
| Primary Insurance Agency | DIF |
| Website | www.thesouthern.bank |
| Data Updated | 01/30/2026 |
| CERT | 16288 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $370.88M |
| Total Deposits | $317.03M |
| Total Liabilities | $339.45M |
| Total Equity Capital | $31.43M |
| Net Income | $367.00k |
| Net Loans and Leases | $233.91M |
| Assets Per Employee ($Millions) | $5.54M |
| Bank Premises and Fixed Assets | $16.01M |
| Cash and Balances due from Depository Institutions | $17.38M |
| Deposits Held in Domestic Offices | $317.03M |
Key Performance Ratios
| Return on Assets (ROA) | 0.4% |
| Return on Equity (ROE) | 4.74% |
| Net Interest Margin | 3.44% |
| Efficiency Ratio | 87.98% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.16% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.474% |
| Earning Assets to total Assets | 91.62% |
Income and Expense
| Total Interest Income | $5.35M |
| Total Noninterest Income | $248.00k |
| Total Interest Expense | $2.47M |
| Total Noninterest Expense | $2.75M |
| Net Interest Income | $2.88M |
| Pre-tax Net Operating Income | $226.00k |
| Provision for Credit Losses | $150.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $719.00k |
| Other borrowed funds | $20.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $12.05M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.42M |
| Total Liabilities and Capital | $370.88M |
Securities
| Securities | $79.69M |
| Available-for-sale debt securities | $79.69M |
| 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?
$370.88M as of the latest filing.
How much are Southern Bank's total deposits?
$317.03M in total deposits.
Where is Southern Bank located?
Sardis, GA.
What is the Net Interest Margin?
3.44%.
How many domestic offices does it operate?
8.
When was it established?
07/02/1945.
What is the Return on Assets (ROA)?
0.4%.
How much are total loans and leases?
$233.91M (latest filing).
What is the total interest income (latest filing)?
$5.35M.