TellerScore

Southern Bank of Tennessee is a state-chartered bank (fed member) headquartered in Mount Juliet, Tennessee, in business for about 27 years. At the end of Q2 2026 it reported $533.4M in total assets and $469.4M in deposits, with 5 offices.

Based on its Q2 2026 filing, Southern Bank of Tennessee scores 68/100, which we describe as moderate. That is higher than only 37% of 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 63rd. Its strongest component is problem-loan coverage (99/100; 0.4%), and its lowest is capital cushion (40/100; 9.01%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Tier 1 leverage ratio: 9.01%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.05%
Earnings71/100
Return on assets (annualized): 1.27%
Funding & liquidity52/100
Loans ÷ deposits and uninsured-deposit share: 83.3% · 37.0% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.35%

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 3 points (65 → 68), mostly because the earnings component improved by 16 points.

TellerScore
636873Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202463
Q4 202463
Q1 202564
Q2 202565
Q3 202567
Q4 202567
Q1 202673
Q2 202668
Tier 1 leverage ratio
5.00%7.25%9.49%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.30%
Q3 20249.13%
Q4 20249.02%
Q1 20259.05%
Q2 20259.02%
Q3 20259.19%
Q4 20259.38%
Q1 20269.49%
Q2 20269.01%
Noncurrent loans
0.00%0.04%0.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.01%
Q3 20250.04%
Q4 20250.09%
Q1 20260.07%
Q2 20260.05%
Return on assets
0.24%1.02%1.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.24%
Q3 20240.33%
Q4 20240.39%
Q1 20250.77%
Q2 20250.87%
Q3 20250.97%
Q4 20251.02%
Q1 20261.80%
Q2 20261.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$533.4M9.01%0.05%1.27%83.3%
Q1 202673$490.1M9.49%0.07%1.80%88.5%
Q4 202567$477.6M9.38%0.09%1.02%88.6%
Q3 202567$477.5M9.19%0.04%0.97%88.6%
Q2 202565$473.6M9.02%0.01%0.87%87.6%
Q1 202564$469.1M9.05%0.00%0.77%86.1%
Q4 202463$449.9M9.02%0.00%0.39%81.5%
Q3 202463$425.8M9.13%0.00%0.33%81.0%
Q2 202463$430.2M9.30%0.02%0.24%78.6%

2,650 peers · $100 million – $1 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 ratio9.01%
12th
Total risk-based capital0.00%
24th
Problem loans0.05%
79th
Net charge-offs0.28%
9th
Return on assets1.27%
51st
Net interest margin4.00%
53rd
Efficiency ratio70.3%
29th
Loans to deposits83.3%
42nd
Uninsured deposits37.0%
14th
Loan-loss reserves0.88%
16th
Texas ratio0.4%
80th

Similar-size banks in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of BartlettBank Bartlett, TN54 out of 100, Below average$551.8M8.5%0.98%vs
CBBC BankBank Maryville, TN89 out of 100, Very strong$562.1M14.2%0.01%vs
TriStar BankBank Dickson, TN64 out of 100, Moderate$562.7M9.8%0.61%vs
Bank3Bank Memphis, TN68 out of 100, Moderate$491.8M11.0%0.05%vs
INSOUTH BankBank Brownsville, TN42 out of 100, Below average$591.9M8.5%2.29%vs
Wayne County BankBank Waynesboro, TN84 out of 100, Strong$595.1M13.6%0.72%vs

Deposit insurance

Is my money safe at Southern Bank of Tennessee?

Yes. Southern Bank of Tennessee is an FDIC-insured institution (FDIC certificate #34847). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 37.0% of deposits ($173.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.01%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Southern Bank of Tennessee lists 5 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Southern Bank of Tennessee reported 205 home-loan applications under HMDA (LEI 54930022I573MYIIOM33): 165 originated ($67,275,000 total), 6 denied, and 31 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.4%, 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 of Tennessee
Former names
The Community Bank of East Tennessee
Type
State-chartered bank (Fed member)
FDIC certificate #
34847
RSSD ID
2793593
Primary regulator
FED
Holding company
Sb Financial Inc
Established
March 22, 1999
Headquarters
675 N Mount Juliet Rd, Mount Juliet, TN 37122
Employees
73

Quick answers

Southern Bank of Tennessee: common questions

Is Southern Bank of Tennessee FDIC insured?

Yes. Southern Bank of Tennessee is an FDIC-insured institution (FDIC certificate #34847). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Southern Bank of Tennessee's TellerScore?

68 out of 100 (Moderate), 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 of Tennessee ever failed?

There is no failure record for FDIC certificate #34847 in the FDIC failed bank list.

How many branches does Southern Bank of Tennessee have?

5 offices as of the latest FDIC data.

Nearby

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

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
The Farmers BankBank Portland, TN89 out of 100, Very strong$942.8M15.1%0.53%vs
Heritage South Community Credit UnionCredit union Shelbyville, TN88 out of 100, Very strong$361.9M17.1%0.75%vs
P.I.A.S. Credit UnionCredit union Brentwood, TN87 out of 100, Very strong$4.2M17.4%0.00%vs
First Freedom BankBank Lebanon, TN85 out of 100, Very strong$817.8M12.5%0.01%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs