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 Southern Bank
Southern Bank
| RSSD ID 307334 | CERTIFICATE 16288 | ABA NUMBER 61212235 |
| 731 Charles Perry Ave |
Quarter Ended : |
2025-12-31 |
| Sardis, Georgia, 30456 |
Updated : |
2026-01-20 |
| 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 : |
67 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 370,876 |
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Total Interest Income | 20,463 |
| Total Liabilities | 339,448 |
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Total NonInterest Income | 918 |
| Total Bank Equity Capital | 31,428 |
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Total Interest Expense | 9,706 |
| Total Deposits | 317,029 |
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Total NonInterest Expense | 10,207 |
| Net Loans & Leases | 233,906 |
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Net Income | 856 |
| Loan Loss Allowance | 2,378 |
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Net Charge Offs | 232 |
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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 | 231,595 |
| Total assets for the leverage ratio | 366,684 |
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Loans secured by real estate: | 201,722 |
| Tier 1 Leverage Ratio | 9.06 |
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Commercial and industrial loans | 26,945 |
| Off Balance Sheet Exposures (%) | 9.37 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 2,928 |
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:· Southern Bank
