Southern Bank Co (FDIC #29731): Bank Stress & Real-Estate Credit Exposure
Southern Bank Co (FDIC Cert #29731): bank stress 52/100, moderate, STABLE over 7 days; parent SOUTHERN BANC CO INC THE.
Southern Bank Co (#29731) lends in 3 counties across 1 state; Southern Bank Co (#29731) reaches 38 ZIP codes: Alabama 3 counties, 38 ZIPs.
Southern Bank Co (#29731) largest markets: Marshall County, AL (36 branches, 18 ZIPs) (#29731), Etowah County, AL (15 branches, 15 ZIPs) (#29731), Cherokee County, AL (11 branches, 11 ZIPs) (#29731).
Southern Bank Co (#29731) reports $133.1 million in total assets; Southern Bank Co (#29731) equity $17.9 million (13.4% of Southern Bank Co (#29731) assets); Southern Bank Co (#29731) domestic deposits $104.8 million; Southern Bank Co (#29731) net income $859,000; Southern Bank Co (#29731) return on assets 1.32%; Southern Bank Co (#29731) return on equity 9.80%; Southern Bank Co (#29731) net interest income $5.3 million; Southern Bank Co (#29731) call report June 30, 2026.
Southern Bank Co (#29731) noncurrent real-estate loans: none reported; Southern Bank Co (#29731) net charge-offs on real estate 5.38%; Southern Bank Co (#29731) residential charge-offs 8.26%.
Southern Bank Co (#29731) net interest margin 8.39% against an eight-quarter Southern Bank Co (#29731) average of 7.71% (Southern Bank Co (#29731) compression -0.68 points); Southern Bank Co (#29731) non-residential real estate 825.8% of equity; Southern Bank Co (#29731) rate-exposure score 40/100, Southern Bank Co (#29731) fixed-rate trap 40/100; Southern Bank Co (#29731) risk type credit driven; Southern Bank Co (#29731) rate regime rates elevated, Southern Bank Co (#29731) snapshot October 19, 2026.
Southern Bank Co (#29731) stress score moved from 53.5 on June 22, 2026 to 52.1 on October 19, 2026; Southern Bank Co (#29731) ranged 52.1 to 53.5 over 116 snapshots.
Southern Bank Co (#29731) alerts: 3 counties; top Southern Bank Co (#29731) alert scores: Centre County, AL 20 (low); Gadsden County, AL 20 (low); Guntersville County, AL 20 (low).