Southern Bank Of Tennessee (FDIC #34847): Bank Stress & Real-Estate Credit Exposure

Southern Bank Of Tennessee (FDIC Cert #34847): bank stress 68/100, elevated, STABLE over 7 days; parent SB FINANCIAL INC.

Southern Bank Of Tennessee (#34847) lends in 4 counties across 1 state; Southern Bank Of Tennessee (#34847) reaches 50 ZIP codes: Tennessee 4 counties, 50 ZIPs.

Southern Bank Of Tennessee (#34847) largest markets: Rutherford County, TN (20 branches, 20 ZIPs) (#34847), Williamson County, TN (16 branches, 16 ZIPs) (#34847), Wilson County, TN (24 branches, 12 ZIPs) (#34847), Anderson County, TN (11 branches, 11 ZIPs) (#34847).

Southern Bank Of Tennessee (#34847) reports $533.4 million in total assets; Southern Bank Of Tennessee (#34847) equity $48.7 million (9.1% of Southern Bank Of Tennessee (#34847) assets); Southern Bank Of Tennessee (#34847) domestic deposits $469.4 million; Southern Bank Of Tennessee (#34847) net income $3.2 million; Southern Bank Of Tennessee (#34847) return on assets 1.27%; Southern Bank Of Tennessee (#34847) return on equity 13.32%; Southern Bank Of Tennessee (#34847) net interest income $9.5 million; Southern Bank Of Tennessee (#34847) call report June 30, 2026.

Southern Bank Of Tennessee (#34847) noncurrent real-estate loans: none reported; Southern Bank Of Tennessee (#34847) net charge-offs on real estate 0.02%.

Southern Bank Of Tennessee (#34847) net interest margin 4.00% against an eight-quarter Southern Bank Of Tennessee (#34847) average of 3.59% (Southern Bank Of Tennessee (#34847) compression -0.41 points); Southern Bank Of Tennessee (#34847) rate-exposure score 40/100, Southern Bank Of Tennessee (#34847) fixed-rate trap 40/100; Southern Bank Of Tennessee (#34847) risk type credit driven; Southern Bank Of Tennessee (#34847) rate regime rates elevated, Southern Bank Of Tennessee (#34847) snapshot October 20, 2026.

Southern Bank Of Tennessee (#34847) stress score moved from 53.9 on June 22, 2026 to 68.2 on October 20, 2026; Southern Bank Of Tennessee (#34847) ranged 53.9 to 68.2 over 117 snapshots.

Southern Bank Of Tennessee (#34847) alerts: 4 counties; top Southern Bank Of Tennessee (#34847) alert scores: Brentwood County, TN 23 (low); Clinton County, TN 23 (low); Mount Juliet County, TN 23 (low); Smyrna County, TN 23 (low).