Total Assets
$371M
Total balance-sheet footings
FDIC Cert #16288 · Sardis, Georgia · Est. 1945
Southern Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $371M
- Total assets
- D
- Health grade · Weak
- 0.24%
- Return on assets
- 9.1%
- Tier 1 capital
Data updated July 2026
The verdict
Southern Bank earns a PlainBankData health grade of D (45/100), with 9.06% Tier 1 capital, 0.24% ROA, 87% efficiency ratio.
- #2,192
- largest of 4,313 FDIC banks by assets
- 49th
- percentile by asset size, nationally
- 9.06%
- Tier 1 ratio - below the 10% well-capitalized line
- 9th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Southern Bank's 45/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Southern Bank's composite health score
Tier 1 Capital Ratio (9.06%) 18/40
Return on Assets (ROA) (0.24%) 7/25
Texas Ratio (0.95%) 20/20
Efficiency Ratio (87.43%) 0/15
45 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$317M
Customer-funded liabilities
Net Loans
$234M
Outstanding loan book
Net Income
$856K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Southern Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Southern Bank's score of 45/100 falls in the highlighted band.
Southern Bank'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's $371M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.06% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.06%
Texas Ratio
0.95%
Equity Capital
$31M
Profitability metrics
Return on Assets (ROA)
9th percentile nationally
0.24%
Return on Equity (ROE)
2.91%
Efficiency Ratio
87.43%
What the numbers say about Southern Bank
Southern Bank is an FDIC-insured institution (Certificate #16288) headquartered in Sardis, Georgia, established in 1945. It holds $371M in total assets - 2,192nd of 4,313 FDIC-insured banks, $317M in customer deposits, and $234M in net loans. Looking at capital strength, Tier 1 stands at 9.06%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.95%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of D (45/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Georgia, Southern Bank ranks 58th of 129 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$20M
Interest Income
$918K
Non-Interest Income
$10M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Southern Bank reports a Texas Ratio of 0.95% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.95% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Southern Bank
Southern Bank's grade of D reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 9.06% is below the 10% "well-capitalized" benchmark.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Southern Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Georgia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Southern Bank (FDIC Cert #16288) - 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.
Other banks in Georgia
All Georgia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameris BankAtlanta | $27.4B | A | 1.64% |
| RBC Bank, (Georgia) National AssociationAtlanta | $8.0B | A | 2.48% |
| Metro City BankDoraville | $4.7B | A | 1.79% |
| Colony BankFitzgerald | $3.7B | B | 0.92% |
| Georgia Banking CompanyAtlanta | $2.7B | B | 0.96% |
| United BankZebulon | $2.3B | A | 2.66% |
| Pinnacle BankElberton | $2.3B | B | 1.29% |
| Queensborough National Bank & Trust CompanyLouisville | $2.2B | A | 1.05% |
Frequently asked questions
What is Southern Bank's health grade?▼
Southern Bank receives a health grade of D (45/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Southern Bank?▼
Southern Bank holds $371M in total assets and $317M in deposits, ranking 2,192nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Sardis, Georgia.
Is my money safe at Southern Bank?▼
Yes, deposits at Southern Bank (Certificate #16288) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Southern Bank's Tier 1 Capital Ratio?▼
Southern Bank has a Tier 1 Capital Ratio of 9.06%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Southern Bank?▼
Southern Bank has a Texas Ratio of 0.95%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Southern Bank?▼
Southern Bank has an Efficiency Ratio of 87.43%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Southern Bank's profile as a depositor or analyst.
- Southern Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Southern Bank against other Georgia banks before moving funds. Georgia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.