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This institution is no longer active

Operations ceased on April 1, 2020. CRA examination history below reflects the period it was active.

SOUTHERN BANK & TRUST

CLARKESVILLE, GA · Supervised by FDIC

Est. 2005FDIC #58,143RSSD: FDIC-58143
Satisfactory

Current rating · Exam: March 2017

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Institution Profile

FDIC BankFind

Address

111 Southern Bank Drive, CLARKESVILLE, GA

County

Habersham County

Established

December 6, 2005

Total Assets

$228M(latest call report)

Financial Snapshot

As of Q1 2020Call Report / FDIC

Total Assets

$228M

Total Deposits

$202M

Net Loans

$179M

Net Income

$-1,735K

ROA

-3.03%

ROE

-35.62%

Risk-Based Capital

11.70%

Total Assets — Last 8 Quarters

Total AssetsROA

Current Examination

CRA / FFIEC

Overall Rating

Satisfactory

Exam Date

March 1, 2017

Exam Type

Small Bank

Regulator

FDIC

Rating History

CRA / FFIEC

2 previous ratings locked — dating back to 2008

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Rating Over Time

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OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance
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