Southcrest Bank

108 South Church Street
Thomaston, GA 30286


General Bank Information

FDIC Insured Yes
FDIC Certificate # 17041
Date Established 1951
Assets $0.29 billion
Loans $0.15 billion
Deposits $0.26 billion
Capital $0.02 billion

Southcrest Bank is an FDIC insured institution located in Thomaston, GA. It was founded in 1951 and has approximately $0.29 billion in assets.

For a more detailed analysis of Southcrest Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Southcrest Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Georgia, Southcrest Bank has a significantly higher percent of Credit Card Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 37.14
Credit Card Loans 1.54
Consumer Auto Loans 3.49
Small Business Loans 19.00
Construction and Development Loans 7.74
Commercial Real Estate 40.56
Commercial and Industrial Loans 4.21
Farm Loans 0.02

Savings Rates

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Loan Rates

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Financial Details

Southcrest Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Southcrest Bank. The data is provided by the FDIC. Please remember that all banks listed on are FDIC insured while all credit unions are similarly insured by the NCUA. No depositor has ever lost money while their funds have been insured by the FDIC or NCUA.

Texas Ratio
Southcrest Bank U.S. Bank Average
32.62% 8.56%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2015, Southcrest Bank had $4,362,000 in non-current loans and $4,054,000 in owned real estate. To cover these potential losses it had $22,997,000 in equity and $2,807,000 in loans loss reserves. That gives it a Texas Ratio of 32.62%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Southcrest Bank U.S. Bank Average
-14.42% 9.74%

Southcrest Bank has a Return on Equity of -14.42% versus the BestCashCow average of 9.74%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Southcrest Bank U.S. Bank Average
8.07% 11.23%

Southcrest Bank has a Capitalization of 8.07% versus the BestCashCow average of 11.23%. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Southcrest Bank Balance Sheet Analysis

As of December 31, 2013, Southcrest Bank had assets of $285,136,000, loans of $145,205,000, and deposits of $259,102,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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