Is Southern Bank&Trust Co Safe?
Southern Bank&Trust Co has a Bank Health Score of 89/100 (A), based on FDIC call report data. Its strongest factor is liquidity (97/100), while profitability is its weakest area (75/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 12.49% | 81/100 |
| Nonperforming Loan Ratio | 0.21% | 96/100 |
| Liquidity Ratio | 29.17% | 97/100 |
| Return on Assets | 1.36% | 75/100 |
| Total Assets | $4.8B | |
How does Southern Bank&Trust Co compare?
With a Bank Health Score of 89/100, Southern Bank&Trust Co sits 19.0 points above the national average of 70/100 for FDIC-insured banks. Within North Carolina, where 36 FDIC-insured banks are headquartered, Southern Bank&Trust Co ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 12.49% 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 0.21% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Southern Bank&Trust Co's Bank Health Score improved by 1.0 points to 89/100. Tier 1 capital strengthened by 0.58 percentage points to 12.49%.
Southern Bank&Trust Co has a Bank Health Score of 89/100 (A), based on FDIC call report data. Its strongest factor is liquidity (97/100), while profitability is its weakest area (75/100).