FDIC Cert #34847 · Mount Juliet, Tennessee · Est. 1999

Southern Bank of Tennessee - FDIC Bank Health Profile

A community-scale look at Southern Bank of Tennessee's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$478M
Total assets
B
Health grade · Good
1.02%
Return on assets
12.1%
Tier 1 capital

Data updated July 2026

The verdict

Southern Bank of Tennessee earns a PlainBankData health grade of B (79/100), with well-capitalized at 12.06% Tier 1, profitable at 1.02% ROA, 71% efficiency ratio.

#1,855
largest of 4,313 FDIC banks by assets
57th
percentile by asset size, nationally
12.06%
Tier 1 ratio - above the 10% well-capitalized line
45th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 34847 · TN B · 79/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (79/100)
  • MID-PACK #2094/4307
  • PHOTO-FINISH Greater State Bank · TX
  • TIER1-WELL 12.1% Tier 1
  • TEXAS-CLEAN 0.7% Texas
  • ROA-PAR 1.02% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Tennessee: Greater State Bank, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Southern Bank of Tennessee

Lowest and highest poles plus nearest scored peers outside Tennessee, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Federal Bank · ND ·…79/100Colonial Savings, F.A. · TX …79/100Crossroads Bank · IN · near79/100Greater State Bank · TX · ne…79/100Southern Bank of Ten… · TN ·…79/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Southern Bank of Tennessee · July 2026

What Southern Bank of Tennessee's Call Report plate shows

Southern Bank of Tennessee (FDIC Cert #34847) carries a PlainBankData health grade of B at 79/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,094 of 4,307. Tier 1 capital prints at 12.06%, clearing the 10% well-capitalized line. The Texas Ratio is 0.67%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.02%. Balance-sheet scale is $478M, 1,855th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Greater State Bank (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Southern Bank of Tennessee

7 FAILURE resolutions in Tennessee since 2000 (6 since 2008)

Southern Bank of Tennessee's home state sits in the middle band of post-2000 FAILURE counts (7; 6 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Southern Bank of Tennessee remains an active FDIC-insured reporter.

  • TRUST COMPANY BANK MEMPHIS, TN 2016 → THE BANK OF FAYETTE COUNTY
  • COMMUNITY SOUTH BANK PARSONS, TN 2013 → CB&S BANK, INC.
  • MOUNTAIN NATIONAL BANK SEVIERVILLE, TN 2013 → FIRST TENNESSEE BANK, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Tennessee banks.

How Southern Bank of Tennessee's 79/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10079/100
Southern Bank of Tennessee's composite health score
Tier 1 Capital Ratio (12.06%) 35/40
Return on Assets (ROA) (1.02%) 20/25
Texas Ratio (0.67%) 20/20
Efficiency Ratio (70.75%) 4/15

79 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$478M

Total balance-sheet footings

Total Deposits

$417M

Customer-funded liabilities

Net Loans

$369M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.66% 12.06% 13.46%
Basel III capital ratios - Southern Bank of Tennessee

Where Southern Bank of Tennessee ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Southern Bank of Tennessee's score of 79/100 falls in the highlighted band.

Southern Bank of Tennessee: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

79 Top 49% higher than 51% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Southern Bank of Tennessee 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Southern Bank of Tennessee's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Southern Bank of Tennessee's $478M falls in the highlighted band.

Safety ratios for Southern Bank of Tennessee

Tier 1 capital ratio
Well-capitalized 10%

12.06% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.06%
Texas Ratio
0.67%
Equity Capital
$46M

What these ratios mean →

Earnings posture at Southern Bank of Tennessee

Return on Assets (ROA)
45th percentile nationally
1.02%
Return on Equity (ROE)
11.01%
Efficiency Ratio
70.75%

What these mean →

Income & expense at Southern Bank of Tennessee

$29M
Interest Income
$1M
Non-Interest Income
$13M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Southern Bank of Tennessee reports a Texas Ratio of 0.67% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.67% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Southern Bank of Tennessee on FDIC BankFind →

Top banks in Tennessee by total assets

Largest banks headquartered in Tennessee
  1. 1
    First Horizon Bank $83.6B

    Memphis, TN · Grade B

  2. 2
    Pinnacle Bank $57.6B

    Nashville, TN · Grade A

  3. 3
    FirstBank $16.3B

    Nashville, TN · Grade B

  4. 4
    Wilson Bank and Trust $5.9B

    Lebanon, TN · Grade A

  5. 5
    SmartBank $5.9B

    Pigeon Forge, TN · Grade B

Top 5 banks in Tennessee ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($478M here), outside Tennessee so the neighborhood is not state containment.

Citizens State Bank $478M · WI Southwest Capital Bank $477M · NM M C Bank & Trust Company $478M · LA Austin County State Bank $478M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Southern Bank of Tennessee (FDIC Cert #34847) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Southern Bank of Tennessee Call Report profile · FDIC Failed Bank List · Tennessee FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Tennessee

All Tennessee banks →
BankAssetsGradeROA
First Horizon BankMemphis $83.6B B 1.35%
Pinnacle BankNashville $57.6B A 1.25%
FirstBankNashville $16.3B B 0.89%
Wilson Bank and TrustLebanon $5.9B A 1.38%
SmartBankPigeon Forge $5.9B B 1.00%
SouthEast BankFarragut $3.5B C 0.68%
Home Federal Bank of TennesseeKnoxville $2.7B C 0.21%
Builtwell BankChattanooga $2.3B A 2.07%