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Southern Bank Of Tennessee
Mount Juliet, TN · FDIC Certificate #34847 · Chartered 03/2
Total assets
$533.38M
Total deposits
$469.35M
Total equity
$48.67M
Net loans
$390.87M
Branches (offices)
5
Net income (YTD)
$3.18M
Rank: #1,709 of 4,213 U.S. banks by assets · #53 of 109 in Tennessee. Assets changed 12.6% and deposits 13.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.27% |
| Return on equity | 13.32% |
| Net interest margin (YTD) | 4.00% |
| Equity to assets | 9.13% |
| Tier 1 leverage ratio | 9.01% |
| Uninsured deposits (share of deposits) | 37.0% |
| Noncurrent loans (share of loans) | 0.05% |
| Net charge-offs (share of loans) | 0.28% |
| Loans to deposits | 83.3% |
| Real estate loans (share of loans) | 90.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $352.56M | 90.2% | |
| Commercial & industrial | $24.24M | 6.2% | |
| Consumer / individual | $17.99M | 4.6% | |
| Construction & development | $48.78M | 12.5% | |
| Agricultural | $11.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $400.32M | $357.32M | $1.67M | $41.66M |
| Jun 2023 | $367.72M | $323.98M | $1.04M | $41.57M |
| Jun 2024 | $430.19M | $362.83M | $501.00K | $39.20M |
| Jun 2025 | $473.61M | $413.46M | $2.03M | $43.41M |
| Jun 2026 | $533.38M | $469.35M | $3.18M | $48.67M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $469.35M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $469.35M.
Similar-sized banks
Bank Of Lake Mills ($533.75M) · Profinium, Inc. ($533.11M)
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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