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The Southern Bank Company
Gadsden, AL · FDIC Certificate #29731 · Chartered 06/0
Total assets
$133.10M
Total deposits
$104.78M
Total equity
$17.87M
Net loans
$66.47M
Branches (offices)
4
Net income (YTD)
$859.00K
Rank: #3,444 of 4,213 U.S. banks by assets · #74 of 93 in Alabama. Assets changed 6.5% and deposits 3.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.32% |
| Return on equity | 9.80% |
| Net interest margin (YTD) | 8.39% |
| Equity to assets | 13.42% |
| Tier 1 leverage ratio | 15.05% |
| Uninsured deposits (share of deposits) | 22.7% |
| Noncurrent loans (share of loans) | 1.89% |
| Net charge-offs (share of loans) | -0.70% |
| Loans to deposits | 63.4% |
| Real estate loans (share of loans) | 34.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $23.21M | 34.9% | |
| Commercial & industrial | $42.87M | 64.5% | |
| Consumer / individual | $256.00K | 0.4% | |
| Construction & development | $2.58M | 3.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $115.79M | $97.54M | $1.05M | $10.12M |
| Jun 2023 | $108.99M | $91.42M | $1.25M | $11.60M |
| Jun 2024 | $113.73M | $92.71M | $767.00K | $13.95M |
| Jun 2025 | $125.03M | $101.76M | $374.00K | $16.17M |
| Jun 2026 | $133.10M | $104.78M | $859.00K | $17.87M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $104.78M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $104.78M.
Similar-sized banks
First Community Bank Of Hillsboro ($133.28M) · The Iuka State Bank ($133.02M)
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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