Southern Bank&Trust Co (FDIC #15359): Bank Stress & Real-Estate Credit Exposure
Southern Bank&Trust Co (FDIC Cert #15359): bank stress 69/100, elevated, STABLE over 7 days; parent SOUTHERN BANCSHARES N C INC.
Southern Bank&Trust Co (#15359) lends in 29 counties across 2 states; Southern Bank&Trust Co (#15359) reaches 293 ZIP codes: North Carolina 23 counties, 229 ZIPs; Virginia 6 counties, 64 ZIPs.
Southern Bank&Trust Co (#15359) largest markets: Wake County, NC (41 branches, 41 ZIPs) (#15359), Johnston County, NC (44 branches, 22 ZIPs) (#15359), Duplin County, NC (38 branches, 19 ZIPs) (#15359), Pitt County, NC (90 branches, 18 ZIPs) (#15359), Wilson County, NC (34 branches, 17 ZIPs) (#15359), Sampson County, NC (51 branches, 17 ZIPs) (#15359).
Southern Bank&Trust Co (#15359) reports $5.30 billion in total assets; Southern Bank&Trust Co (#15359) equity $433.7 million (8.2% of Southern Bank&Trust Co (#15359) assets); Southern Bank&Trust Co (#15359) domestic deposits $4.83 billion; Southern Bank&Trust Co (#15359) net income $36.8 million; Southern Bank&Trust Co (#15359) return on assets 1.40%; Southern Bank&Trust Co (#15359) return on equity 17.13%; Southern Bank&Trust Co (#15359) net interest income $92.3 million; Southern Bank&Trust Co (#15359) call report June 30, 2026.
Southern Bank&Trust Co (#15359) noncurrent real-estate loans: none reported; Southern Bank&Trust Co (#15359) residential -0.02%; Southern Bank&Trust Co (#15359) net charge-offs on real estate 0.13%; Southern Bank&Trust Co (#15359) residential charge-offs 0.15%.
Southern Bank&Trust Co (#15359) net interest margin 3.70% against an eight-quarter Southern Bank&Trust Co (#15359) average of 3.20% (Southern Bank&Trust Co (#15359) compression -0.51 points); Southern Bank&Trust Co (#15359) non-residential real estate 15.0% of equity; Southern Bank&Trust Co (#15359) rate-exposure score 40/100, Southern Bank&Trust Co (#15359) fixed-rate trap 40/100; Southern Bank&Trust Co (#15359) risk type credit driven; Southern Bank&Trust Co (#15359) rate regime rates elevated, Southern Bank&Trust Co (#15359) snapshot October 19, 2026.
Southern Bank&Trust Co (#15359) stress score moved from 77.4 on June 22, 2026 to 68.9 on October 20, 2026; Southern Bank&Trust Co (#15359) ranged 68.9 to 77.4 over 117 snapshots.
Southern Bank&Trust Co (#15359) alerts: 29 counties; top Southern Bank&Trust Co (#15359) alert scores: Wilson County, NC 41 (moderate); Jackson County, NC 39 (moderate); Richmond County, NC 31 (low); Belhaven County, NC 24 (low); Chesapeake County, NC 24 (low).