TellerScore

Headquartered in Mount Olive, North Carolina, Southern Bank and Trust Company is a state-chartered bank with $5.3B in total assets and $4.8B in deposits as of Q2 2026. It operates 57 offices across 2 states. Its charter dates back to 1901.

Southern Bank and Trust Company has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 58% of its 897 banks with $1 billion – $10 billion. Among 38 banks headquartered in North Carolina, it ranks 22nd. Problem-loan coverage contributes the most (98/100, 1.0%); capital cushion contributes the least (46/100, 9.63%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Tier 1 leverage ratio: 9.63%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.12%
Earnings76/100
Return on assets (annualized): 1.40%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 73.9% · 47.7% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.05%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (68 → 70), mostly because the earnings component improved by 18 points.

TellerScore
636770Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202467
Q4 202469
Q1 202563
Q2 202568
Q3 202567
Q4 202569
Q1 202667
Q2 202670
Tier 1 leverage ratio
5.00%7.49%9.98%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.24%
Q3 20249.41%
Q4 20249.37%
Q1 20259.49%
Q2 20259.98%
Q3 20259.92%
Q4 20259.57%
Q1 20269.69%
Q2 20269.63%
Noncurrent loans
0.12%0.16%0.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.21%
Q3 20240.20%
Q4 20240.18%
Q1 20250.17%
Q2 20250.14%
Q3 20250.15%
Q4 20250.13%
Q1 20260.12%
Q2 20260.12%
Return on assets
0.47%0.93%1.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.08%
Q3 20241.13%
Q4 20241.30%
Q1 20250.47%
Q2 20250.95%
Q3 20250.87%
Q4 20251.19%
Q1 20260.89%
Q2 20261.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$5.3B9.63%0.12%1.40%73.9%
Q1 202667$5.3B9.69%0.12%0.89%72.1%
Q4 202569$5.2B9.57%0.13%1.19%72.2%
Q3 202567$5.2B9.92%0.15%0.87%71.4%
Q2 202568$4.9B9.98%0.14%0.95%73.5%
Q1 202563$4.9B9.49%0.17%0.47%71.5%
Q4 202469$5.0B9.37%0.18%1.30%72.4%
Q3 202467$5.0B9.41%0.20%1.13%72.3%
Q2 202466$4.8B9.24%0.21%1.08%75.6%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.63%
26th
Total risk-based capital13.63%
50th
Problem loans0.12%
85th
Net charge-offs0.00%
73rd
Return on assets1.40%
63rd
Net interest margin3.70%
50th
Efficiency ratio52.6%
70th
Loans to deposits73.9%
78th
Uninsured deposits47.7%
12th
Loan-loss reserves1.05%
37th
Texas ratio1.0%
82nd

Similar-size banks in North Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
The Fidelity BankBank Fuquay Varina, NC78 out of 100, Strong$4.7B11.5%0.42%vs
HomeTrust BankBank Asheville, NC68 out of 100, Moderate$4.4B12.9%1.40%vs
First Carolina BankBank Rocky Mount, NC66 out of 100, Moderate$3.4B11.4%0.81%vs
Peoples BankBank Newton, NC75 out of 100, Strong$1.8B11.5%0.41%vs
Providence BankBank Rocky Mount, NC82 out of 100, Strong$1.5B12.2%0.12%vs
North State BankBank Raleigh, NC61 out of 100, Moderate$1.5B8.5%0.17%vs

Deposit insurance

Is my money safe at Southern Bank and Trust Company?

Yes. Southern Bank and Trust Company is an FDIC-insured institution (FDIC certificate #15359). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 47.7% of deposits ($2.3B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.63%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.63% (benchmark: 10%).

Check how much of your own balance is covered

57 locations

Branches

Southern Bank and Trust Company lists 56 offices in 47 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Southern Bank and Trust Company reported 1,928 home-loan applications under HMDA (LEI 5493000XJFWT2H46HI07): 1,557 originated ($440,695,000 total), 238 denied, and 19 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Southern Bank and Trust Company
Former names
Bank of Mount Olive
Type
State-chartered bank
FDIC certificate #
15359
RSSD ID
717924
Primary regulator
FDIC
Holding company
Southern Bancshares N C Inc
Established
January 1, 1901
Headquarters
100 N Center St, Mount Olive, NC 28365
Employees
603

Quick answers

Southern Bank and Trust Company: common questions

Is Southern Bank and Trust Company FDIC insured?

Yes. Southern Bank and Trust Company is an FDIC-insured institution (FDIC certificate #15359). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Southern Bank and Trust Company's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Southern Bank and Trust Company ever failed?

There is no failure record for FDIC certificate #15359 in the FDIC failed bank list.

How many branches does Southern Bank and Trust Company have?

57 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Mount Olive

InstitutionScoreAssetsCapitalProblem loansCompare
Workmen'S Circle Incorporated Credit UnionCredit union Savannah, GA90 out of 100, Very strong$135.0M20.8%0.00%vs
Guco Credit UnionCredit union Greenville, NC81 out of 100, Strong$10.2M17.8%0.13%vs
North Carolina Community Federal Credit UnionCredit union Goldsboro, NC80 out of 100, Strong$107.1M10.9%0.13%vs
United BankBank Fairfax, VA74 out of 100, Strong$33.6B11.6%0.44%vs
First BankBank Southern Pines, NC74 out of 100, Strong$13.0B11.5%0.49%vs
KS Bank, Inc.Bank Smithfield, NC69 out of 100, Moderate$874.5M9.0%0.12%vs