How Big Is Southern Bank Co?
Southern Bank Co holds $114M in total assets and $93M in deposits, making it a community bank by U.S. standards. By total assets it is the 3,229th-largest of the 3,960 FDIC-insured banks we track. Those figures come from Southern Bank Co's latest FDIC call report (cert #29731); it is a local community institution, with $100 million to $1 billion in assets.
This page answers a common banking-safety question: How Big Is Southern Bank Co?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Southern Bank Co Size at a Glance
- Total assets
- $114M
- Total deposits
- $93M
- Domestic deposits
- $93M
- Size class
- community bank
- Rank by assets
- #3,229 of 3,960
- Headquarters
- Gadsden, Alabama
Source: FDIC Call Report data (cert #29731). Figures reflect the latest reported quarter.
With $114M in total assets, Southern Bank Co is a local community institution, with $100 million to $1 billion in assets. Nationally, that makes it the 3,229th-largest of the 3,960 FDIC-insured banks we track. The bank funds those assets largely with $93M in customer deposits — a typical structure for a U.S. bank, where deposits are the primary funding source for lending.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 15.92% | 100/100 |
| Nonperforming Loan Ratio | 0.31% | 94/100 |
| Liquidity Ratio | 44.56% | 100/100 |
| Return on Assets | 1.83% | 93/100 |
| Total Assets | $0.1B | |
How does Southern Bank Co compare?
With a Bank Health Score of 97/100, Southern Bank Co sits 17.0 points above the national average of 80/100 for FDIC-insured banks. Within Alabama, where 78 FDIC-insured banks are headquartered, Southern Bank Co ranks above the state average of 82/100 (Grade A).
The bank's Tier 1 capital ratio of 15.92% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold. Its nonperforming loan ratio of 0.31% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Southern Bank Co's Bank Health Score improved by 3.0 points to 97/100. Tier 1 capital strengthened by 0.55 percentage points to 15.92%.
Frequently Asked Questions
Southern Bank Co holds $114M in total assets and $93M in deposits, making it a community bank by U.S. standards. By total assets it is the 3,229th-largest of the 3,960 FDIC-insured banks we track. Those figures come from Southern Bank Co's latest FDIC call report (cert #29731); it is a local community institution, with $100 million to $1 billion in assets.
Southern Bank Co ranks 3,229th by total assets out of the 3,960 FDIC-insured banks BankHealth tracks. Its $114M in assets classify it as a community bank.
Southern Bank Co reports $114M in total assets and $93M in total deposits ($93M of it domestic). Total assets include loans, securities, and cash the bank owns; deposits are the money customers have placed with the bank. Deposits are typically a bank's largest funding source, and FDIC insurance covers each depositor up to $250,000 per ownership category.
Size and safety are different things. A bank's size (total assets) measures scale, not health — small banks and large banks can each be financially strong or weak. Southern Bank Co earns a Bank Health Score of 97/100 (grade A) on capital, loan quality, liquidity, and profitability, independent of its $114M asset base. For deposits within the $250,000 FDIC limit, size does not change your insurance protection.
Yes. Southern Bank Co (FDIC certificate #29731) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Southern Bank Co
Southern Bank Co holds $114M in total assets and $93M in deposits, making it a community bank by U.S. standards. By total assets it is the 3,229th-largest of the 3,960 FDIC-insured banks we track. Those figures come from Southern Bank Co's latest FDIC call report (cert #29731); it is a local community institution, with $100 million to $1 billion in assets.