Southern Bank & Trust

111 Southern Bank Drive
Clarkesville, GA 30523


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58143
Date Established 2005
Assets $0.19 billion
Loans $0.15 billion
Deposits $0.17 billion
Capital $0.02 billion

Southern Bank & Trust is an FDIC insured institution located in Clarkesville, GA. It was founded in 2005 and has approximately $0.19 billion in assets. Customers can open an account at one of its 3 branches.

For a more detailed analysis of Southern Bank & Trust'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 Southern Bank & Trust’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Georgia, Southern Bank & Trust has a significantly higher percent of Small Business 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 29.65
Credit Card Loans 0.00
Consumer Auto Loans 2.02
Small Business Loans 25.47
Construction and Development Loans 15.20
Commercial Real Estate 37.17
Commercial and Industrial Loans 6.89
Farm Loans 0.30

Deposit Rates - June 24, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.40% $1,000 $49,999 Learn MoreShow Less
3 Mo CD
0.30% $500 - Learn MoreShow Less
6 Mo CD
0.45% $500 - Learn MoreShow Less
12 Mo CD
1.00% $500 - Learn MoreShow Less
18 Mo CD
1.10% $500 - Learn MoreShow Less
24 Mo CD
1.15% $500 - Learn MoreShow Less
36 Mo CD
1.21% $500 - Learn MoreShow Less
48 Mo CD
1.26% $500 - Learn MoreShow Less
60 Mo CD
1.31% $500 - Learn MoreShow Less

Fixed IRA
1.00% $500 - Learn MoreShow Less

Loan Rates - June 24, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Southern Bank & Trust

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to Southern Bank & Trust
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Southern Bank & Trust branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Financial Details

Southern Bank & Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Southern Bank & Trust. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Southern Bank & Trust U.S. Bank Average
5.77% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2018, Southern Bank & Trust had $1,129,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $17,371,000 in equity and $2,186,000 in loans loss reserves. That gives it a Texas Ratio of 5.77%.

Return on Equity
Southern Bank & Trust U.S. Bank Average
13.45% 8.80%

Southern Bank & Trust has a Return on Equity of 13.45% versus the BestCashCow average of 8.80%. 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.

Southern Bank & Trust U.S. Bank Average
8.97% 12.29%

Southern Bank & Trust has a Capitalization of 8.97% versus the BestCashCow average of 12.29. 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.

Southern Bank & Trust Balance Sheet Analysis

As of December 31, 2018, Southern Bank & Trust had assets of $193,596,000, loans of $152,989,000, and deposits of $171,685,000. 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.

Summary Balance Sheet

December 31, 2018
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.01 billion
Total securities $0.02 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.15 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.18 billion
Total deposits $0.17 billion
      Interest-bearing deposits $0.14 billion
      Deposits held in domestic offices $0.17 billion
      % insured (estimated) 80.28%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.18 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

December 31, 2018
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Southern Bank & Trust

Branches and Savings

Is Southern Bank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #58143.

Why does Southern Bank & Trust pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Southern Bank & Trust CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Southern Bank & Trust a commercial bank?


Where are Southern Bank & Trust locations?

See branch locations nearby.

Is Southern Bank & Trust open on Saturdays?

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What time does Southern Bank & Trust open?

What time does Southern Bank & Trust close?

Are Southern Bank & Trust ATMs Open 24/7?

Do Southern Bank & Trust ATMs accept cash deposits?

Can Southern Bank & Trust customers use other ATMs?

Do Southern Bank & Trust branches have notaries?

Will Southern Bank & Trust notarize my document?

What address for Southern Bank & Trust should I put for incoming ACH transfers?

Will the Southern Bank & Trust branch print checks?

Do Southern Bank & Trust checks expire?

Does Southern Bank & Trust require US citizenship to open account?

Can Southern Bank & Trust close my account?

Does Southern Bank & Trust Report to credit bureaus?

Does Southern Bank & Trust Use Equifax?

What is Southern Bank & Trust's ACH Routing Number?

What is Southern Bank & Trust's SWIFT code?


Does Southern Bank & Trust offer mortgages?

Compare mortgage rates here.

Does Southern Bank & Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Southern Bank & Trust offer personal loans?

Compare personal loan rates here.

Does Southern Bank & Trust offer student loans?

Will Southern Bank & Trust cash a check?

Will Southern Bank & Trust redeem a savings bond?

Does Southern Bank & Trust cash savings bonds?

Will Southern Bank & Trust cash money orders?

Can Southern Bank & Trust issue a money order?

Does Southern Bank & Trust do currency exchange?

Background on The Bank

Who owns Southern Bank & Trust?

How long has Southern Bank & Trust been around?

Can Southern Bank & Trust transfer to other banks?

Does Southern Bank & Trust have quick pay?

Does Southern Bank & Trust accept rolled coins?

Will Southern Bank & Trust accept loose change?

Where is Southern Bank & Trust headquarters?

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