Southern Bank (FDIC #16288): Bank Stress & Real-Estate Credit Exposure
Southern Bank (FDIC Cert #16288): bank stress 96/100, severe, STABLE over 7 days; parent SOUTHERN FINANCIAL CORP (SFCO).
Southern Bank (#16288) lends in 7 counties across 2 states; Southern Bank (#16288) reaches 119 ZIP codes: South Carolina 4 counties, 96 ZIPs; Georgia 3 counties, 23 ZIPs.
Southern Bank (#16288) largest markets: Spartanburg County, SC (34 branches, 34 ZIPs) (#16288), Greenville County, SC (27 branches, 27 ZIPs) (#16288), Aiken County, SC (23 branches, 23 ZIPs) (#16288), Horry County, SC (16 branches, 16 ZIPs) (#16288), Richmond County, GA (11 branches, 11 ZIPs) (#16288), Burke County, GA (18 branches, 9 ZIPs) (#16288).
Southern Bank (#16288) reports $407.9 million in total assets; Southern Bank (#16288) equity $32.1 million (7.9% of Southern Bank (#16288) assets); Southern Bank (#16288) domestic deposits $358.4 million; Southern Bank (#16288) net income $206,000; Southern Bank (#16288) return on assets 0.10%; Southern Bank (#16288) return on equity 1.31%; Southern Bank (#16288) net interest income $6.0 million; Southern Bank (#16288) call report June 30, 2026.
Southern Bank (#16288) noncurrent real-estate loans: none reported; Southern Bank (#16288) net charge-offs on real estate 0.07%.
Southern Bank (#16288) net interest margin 3.29% against an eight-quarter Southern Bank (#16288) average of 3.24% (Southern Bank (#16288) compression -0.05 points); Southern Bank (#16288) rate-exposure score 40/100, Southern Bank (#16288) fixed-rate trap 40/100; Southern Bank (#16288) risk type credit driven; Southern Bank (#16288) rate regime rates elevated; Southern Bank (#16288) shares 0.0% off the 52-week high, Southern Bank (#16288) equity trend stable, Southern Bank (#16288) snapshot October 19, 2026.
Southern Bank (#16288) stress score moved from 94.8 on June 22, 2026 to 95.8 on October 20, 2026; Southern Bank (#16288) ranged 94.8 to 95.8 over 117 snapshots.
Southern Bank (#16288) alerts: 7 counties; top Southern Bank (#16288) alert scores: Aiken County, SC 54 (elevated); Greenville County, SC 47 (moderate); Spartanburg County, SC 46 (moderate); Gibson County, SC 30 (low); Hephzibah County, SC 30 (low).