Institution Class	Commercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary Regulator	FDIC
Established Date	08/27/2007
Community Bank	No
Ownership Type	Not Mutual
ZIP	36201
State and County Number	01015
Subchapter S Corporations	No
Trust Powers	N/A
Federal Reserve ID Number	06
Numeric code	21
Insured by FDIC	Institution closed or not insured by FDIC
Federal Reserve District	Atlanta
Core Based Statistical Area Name	Anniston-Oxford, AL

Operational Info

Number of Employees	192
Domestic Offices	15
Foreign Offices	0
US Offices	0
Directly owned by another bank (CERT)	No
Last Structure Change Effective Date	07/01/2025
Date of Deposit Insurance	08/27/2007
Primary Insurance Agency	DIF
Website	N/A
Data Updated	11/28/2025
CERT	58558
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$2.87B
Total Deposits	$2.48B
Total Liabilities	$2.51B
Total Equity Capital	$365.25M
Net Income	$-11,086,000
Net Loans and Leases	$2.30B
Assets Per Employee ($Millions)	$14.97M
Bank Premises and Fixed Assets	$31.78M
Cash and Balances due from Depository Institutions	$311.54M
Deposits Held in Domestic Offices	$2.48B

Return on Assets (ROA)	-1.55%
Return on Equity (ROE)	-12.06%
Net Interest Margin	4.14%
Efficiency Ratio	102.29%
Tier 1 Risk-Based Capital Ratio	12.941%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0.1%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	12.706%
Earning Assets to total Assets	93.19%

Total Interest Income	$44.86M
Total Noninterest Income	$1.99M
Total Interest Expense	$17.19M
Total Noninterest Expense	$30.74M
Net Interest Income	$27.67M
Pre-tax Net Operating Income	$-1,813,000
Provision for Credit Losses	$733.00k
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	—
Other Real Estate Owned	$120.00k
Other borrowed funds	$0
Federal Funds Sold & Reverse Repurchase Agreement	$58.90M
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$23.83M
Total Liabilities and Capital	$2.87B

Securities	$37.29M
Available-for-sale debt securities	$15.40M
Equity securities with readily determinable fair values not held for trading	—
Held-to-maturity securities	$19.10M
Subordinated Debt	$0
Trading Account Assets	$5.24M
Trading Liabilities	$5.26M

What are the total assets of Southern States Bank?

$2.87B as of the latest filing.

How much are Southern States Bank's total deposits?

$2.48B in total deposits.

Where is Southern States Bank located?

Anniston, AL.

What is the Net Interest Margin?

4.14%.

How many domestic offices does it operate?

15.

When was it established?

08/27/2007.

What is the Return on Assets (ROA)?

-1.55%.

How much are total loans and leases?

$2.30B (latest filing).

What is the total interest income (latest filing)?

$44.86M.