SOUTHERN BANK&TRUST CO
MOUNT OLIVE, NORTH CAROLINA · FDIC Cert #15359
Capital & Safety Analysis
According to FDIC financial data, SOUTHERN BANK&TRUST CO holds a Tier 1 capital ratio of 12.49%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning SOUTHERN BANK&TRUST CO has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
SOUTHERN BANK&TRUST CO shows strong financial health indicators. With $4.8B in assets and a Health Score of 89/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
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&TRUST CO has a Bank Health Score of A (89/100). It holds a Tier 1 capital ratio of 12.49%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
SOUTHERN BANK&TRUST CO holds $4.8B in total assets and $4.2B in total deposits. It is located in MOUNT OLIVE, NORTH CAROLINA (FDIC Certificate #15359).
SOUTHERN BANK&TRUST CO has a Tier 1 capital ratio of 12.49%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.21%, and the return on assets is 1.36%.
Yes. SOUTHERN BANK&TRUST CO is FDIC-insured (Certificate #15359). 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.