SOUTHERN BANK CO
GADSDEN, ALABAMA · FDIC Cert #29731
Capital & Safety Analysis
According to FDIC financial data, SOUTHERN BANK CO holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject SOUTHERN BANK CO to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
SOUTHERN BANK CO shows average financial health. While not alarming, its Health Score of 62/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
SOUTHERN BANK CO has a Bank Health Score of C (62/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
SOUTHERN BANK CO holds $114M in total assets and $93M in total deposits. It is located in GADSDEN, ALABAMA (FDIC Certificate #29731).
SOUTHERN BANK CO has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.31%, and the return on assets is 1.83%.
Yes. SOUTHERN BANK CO is FDIC-insured (Certificate #29731). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.