Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

SOUTHERN BANK&TRUST CO

FDIC #15359 · NC · period 20260630

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Total assets2,414,243-2.79% YoY

Total deposits2,073,950-3.90% YoY

Net loans and leases1,368,894-10.92% YoY

Return on assets0.45%+9.11% YoY

Return on equity4.56%+8.31% YoY

Net interest margin3.98%+3.33% YoY

Peer position

Return on assets63rdin line · n=902

Return on equity83rdstrength · n=894

Net interest margin50thin line · n=902

Equity to assets9thopportunity · n=894

Noncurrent loans86thstrength · n=887

Liquid assets72ndstrength · n=895

Brokered deposits100thstrength · n=890

Loans to deposits79thstrength · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	2,414,243	2,073,950	1,368,894	0.45	4.56	3.98
2016-06-30	2,403,862	2,061,972	1,438,335	0.54	5.43	4.00
2016-09-30	2,440,526	2,093,201	1,480,821	0.60	5.98	3.99
2016-12-31	2,458,241	2,124,993	1,495,987	0.57	5.71	3.98
2017-03-31	2,483,623	2,158,206	1,536,786	0.41	4.21	3.85
2017-06-30	2,486,614	2,113,327	1,603,808	0.76	7.67	3.95
2017-09-30	2,544,145	2,196,108	1,623,203	1.06	10.58	4.04
2017-12-31	2,580,152	2,251,023	1,618,238	1.10	10.94	4.02
2018-03-31	2,548,259	2,248,575	1,628,119	1.23	12.11	3.91
2018-06-30	2,557,302	2,287,423	1,662,151	1.25	12.42	3.97
2018-09-30	2,594,248	2,315,980	1,696,446	1.40	13.86	4.02
2018-12-31	2,624,103	2,307,770	1,689,009	1.24	12.28	4.04
2019-03-31	2,692,782	2,359,088	1,665,849	1.40	13.89	3.91
2019-06-30	2,752,937	2,410,276	1,731,966	1.35	13.31	3.89
2019-09-30	2,854,279	2,451,166	1,767,163	1.34	13.15	3.89
2019-12-31	2,925,504	2,506,996	1,821,627	1.37	13.44	3.86
2020-03-31	3,061,453	2,576,596	1,845,497	0.15	1.50	3.61
2020-06-30	3,460,696	2,984,463	2,232,413	0.84	8.64	3.61
2020-09-30	3,623,722	3,139,593	2,270,323	0.89	9.51	3.51
2020-12-31	3,710,368	3,315,932	2,287,506	1.09	11.84	3.49
2021-03-31	3,924,092	3,536,376	2,271,580	2.01	23.76	3.18
2021-06-30	4,139,586	3,685,512	2,333,602	1.61	18.64	3.04
2021-09-30	4,243,173	3,794,096	2,363,292	1.50	17.28	3.07
2021-12-31	4,415,924	3,942,603	2,413,040	1.42	16.37	3.05
2022-03-31	4,513,141	4,146,611	2,410,245	0.70	9.10	2.98
2022-06-30	4,582,398	4,164,490	2,575,720	0.85	12.24	3.02
2022-09-30	4,486,428	4,135,976	2,718,120	1.04	16.50	3.09
2022-12-31	4,592,140	4,146,041	2,817,510	0.95	15.71	3.08
2023-03-31	4,687,437	4,135,102	2,849,633	1.35	25.83	2.77
2023-06-30	4,652,568	4,090,369	2,951,269	1.39	25.91	2.78
2023-09-30	4,657,613	4,099,714	3,016,708	1.27	24.27	2.74
2023-12-31	4,758,607	4,153,511	3,079,796	1.08	19.92	2.72
2024-03-31	4,777,181	4,152,523	3,135,068	1.18	19.13	2.68
2024-06-30	4,797,488	4,186,281	3,164,673	1.08	17.35	2.68
2024-09-30	4,970,390	4,384,994	3,171,789	1.13	17.42	2.69
2024-12-31	5,013,753	4,460,023	3,227,105	1.30	19.90	2.74
2025-03-31	4,914,702	4,471,419	3,196,978	0.47	6.59	3.04
2025-06-30	4,943,138	4,478,252	3,289,439	0.95	12.88	3.17
2025-09-30	5,156,225	4,663,138	3,327,237	0.87	11.49	3.24
2025-12-31	5,198,701	4,694,512	3,391,750	1.19	15.44	3.33
2026-03-31	5,251,445	4,773,233	3,440,734	0.89	10.90	3.67
2026-06-30	5,304,325	4,828,278	3,566,661	1.40	17.13	3.70

Structure and branch footprint

57 current branch locations across 2 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2016-02-01	1	911825	717924
2013-07-01	1	376125	717924
2011-09-24	50	821120	717924
1998-05-16	1	2353465	717924
1998-05-16	1	249573	717924
1993-10-09	50	394174	717924
1993-07-10	1	813675	717924
1986-12-30	1	468927	717924
1973-10-01	1	884321	717924
1969-12-23	1	1007024	717924

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.