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Southern Bank and Trust Company
Mount Olive, NC·FDIC Cert #15359·Charter: STATE·Est. 19010101.0·HC: SOUTHERN BANCSHARES N C INC
Total Assets
$5.2B
Q4 2025
Return on Assets
1.19%
+0.32%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
56.59%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
63
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.19%+0.32
ROE
15.44%+3.95
Efficiency
56.59%-1.63
Equity/Assets
0.00%+0.00
NPL Ratio
0.13%-0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
72.25%+0.90
Charge-offs
0.00%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.2 | 1.1 | 1.1 | 1.3 | 0.5 | 0.9 | 0.9 | 1.2 |
| ROE | 19.1 | 17.4 | 17.4 | 19.9 | 6.6 | 12.9 | 11.5 | 15.4 |
| Efficiency | 69.4 | 67.5 | 66.6 | 65.2 | 62.0 | 60.1 | 58.2 | 56.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.1 | 0.2 | 0.1 |
| Charge-offs | -0.1 | -0.0 | -0.0 | -0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 75.5 | 75.6 | 72.3 | 72.4 | 71.5 | 73.5 | 71.4 | 72.2 |
Balance Sheet
Total Assets$5.2B
Total Deposits$4.7B
Total Loans$3.4B
Total Equity$424.4M
Profitability
ROA1.19%
ROE15.44%
Efficiency Ratio56.59%
Net Income$59.9M
Risk & Asset Quality
NPL Ratio0.13%
Charge-off Rate0.00%
Loan/Deposit72.25%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans