SOUTHERN FINANCIAL CORP is the bank holding company. SOUTHERN BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

SOUTHERN FINANCIAL CORP

Legal name: SOUTHERN FINANCIAL CORPORATION

1 active bank · $400M combined assets

RSSD ID: 1141816 (FFIEC NIC)

Combined Assets

$400M

CRA Rating Summary

Satisfactory1charter

Across all 7 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankSOUTHERN BANKSPARTANBURG, SCSatisfactory$400MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$400M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$347M

Net Income

$89K

ROA (avg)

0.09%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

2,769

Origination Rate

78.51%

Denial Rate

7.15%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
SOUTHERN BANK	SPARTANBURG, SC	FDIC	$400M	100.0%	Satisfactory	Mar 2023

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.