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 Southern Bank
Southern Bank
| RSSD ID 307334 | CERTIFICATE 16288 | ABA NUMBER 61212235 |
| 731 Charles Perry Ave |
Quarter Ended : |
2025-09-30 |
| Sardis, Georgia, 30456 |
Updated : |
2025-10-21 |
| www.thesouthern.bank |
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| Institution Profile |
| Year Opened : |
1945 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
8 |
Number of Employees : |
68 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 360,783 |
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Total Interest Income | 15,111 |
| Total Liabilities | 330,218 |
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Total NonInterest Income | 670 |
| Total Bank Equity Capital | 30,565 |
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Total Interest Expense | 7,233 |
| Total Deposits | 307,059 |
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Total NonInterest Expense | 7,456 |
| Net Loans & Leases | 220,861 |
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Net Income | 489 |
| Loan Loss Allowance | 2,274 |
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Net Charge Offs | 171 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 217,242 |
| Total assets for the leverage ratio | 359,689 |
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Loans secured by real estate: | 185,225 |
| Tier 1 Leverage Ratio | 9.13 |
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Commercial and industrial loans | 29,055 |
| Off Balance Sheet Exposures (%) | 9.31 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 2,843 |
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:· Southern Bank
