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Southern Bank And Trust Company
Mount Olive, NC · FDIC Certificate #15359 · Chartered 01/0
Total assets
$5.30B
Total deposits
$4.83B
Total equity
$433.70M
Net loans
$3.57B
Branches (offices)
56
Net income (YTD)
$36.82M
Rank: #279 of 4,213 U.S. banks by assets · #6 of 38 in North Carolina. Assets changed 7.3% and deposits 7.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.40% |
| Return on equity | 17.13% |
| Net interest margin (YTD) | 3.70% |
| Equity to assets | 8.18% |
| Tier 1 leverage ratio | 9.63% |
| Uninsured deposits (share of deposits) | 47.7% |
| Noncurrent loans (share of loans) | 0.12% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 73.9% |
| Real estate loans (share of loans) | 90.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $3.22B | 90.3% | |
| Commercial & industrial | $259.24M | 7.3% | |
| Consumer / individual | $28.12M | 0.8% | |
| Construction & development | $196.53M | 5.5% | |
| Agricultural | $52.35M | 1.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $4.58B | $4.16B | $19.21M | $253.28M |
| Jun 2023 | $4.65B | $4.09B | $32.34M | $265.35M |
| Jun 2024 | $4.80B | $4.19B | $25.87M | $306.30M |
| Jun 2025 | $4.94B | $4.48B | $23.50M | $391.86M |
| Jun 2026 | $5.30B | $4.83B | $36.82M | $433.70M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Carolina | $4.06B | 46 |
| Virginia | $764.73M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $4.83B.
Similar-sized banks
Interbank ($5.33B) · Leader Bank, National Association ($5.28B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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