Total Assets
$130M
Total balance-sheet footings
FDIC Cert #29731 · Gadsden, Alabama · Est. 1936
The Southern Bank Company - FDIC Bank Health Profile
A community-scale look at The Southern Bank Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $130M
- Total assets
- B
- Health grade · Good
- 0.74%
- Return on assets
- 14.5%
- Tier 1 capital
Data updated July 2026
The verdict
The Southern Bank Company earns a PlainBankData health grade of B (65/100), with well-capitalized at 14.48% Tier 1, 0.74% ROA, 83% efficiency ratio.
- #3,518
- largest of 4,313 FDIC banks by assets
- 18th
- percentile by asset size, nationally
- 14.48%
- Tier 1 ratio - above the 10% well-capitalized line
- 27th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How The Southern Bank Company's 65/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Southern Bank Company's composite health score
Tier 1 Capital Ratio (14.48%) 35/40
Return on Assets (ROA) (0.74%) 14/25
Texas Ratio (10.17%) 16/20
Efficiency Ratio (82.79%) 0/15
65 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$103M
Customer-funded liabilities
Net Loans
$58M
Outstanding loan book
Net Income
$936K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Southern Bank Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Southern Bank Company's score of 65/100 falls in the highlighted band.
The Southern Bank Company'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). The Southern Bank Company's $130M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.48% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.48%
Texas Ratio
10.17%
Equity Capital
$17M
Profitability metrics
Return on Assets (ROA)
27th percentile nationally
0.74%
Return on Equity (ROE)
5.80%
Efficiency Ratio
82.79%
What the numbers say about The Southern Bank Company
The Southern Bank Company is an FDIC-insured institution (Certificate #29731) headquartered in Gadsden, Alabama, established in 1936. It holds $130M in total assets - 3,518th of 4,313 FDIC-insured banks, $103M in customer deposits, and $58M in net loans. Capital-wise, the Tier 1 ratio sits at 14.48%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 10.17%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (65 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Southern Bank Company is a community-scale institution -- 76th of 94 FDIC-insured banks headquartered in Alabama by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$12M
Interest Income
$577K
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Southern Bank Company reports a Texas Ratio of 10.17% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
10.17% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Alabama by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Southern Bank Company (FDIC Cert #29731) - 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 Alabama
All Alabama banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Regions BankBirmingham | $157.4B | A | 1.43% |
| ServisFirst BankBirmingham | $17.7B | A | 1.58% |
| River Bank & TrustPrattville | $3.8B | A | 1.18% |
| Bank IndependentSheffield | $3.0B | B | 1.01% |
| Bryant BankTuscaloosa | $2.9B | A | 1.69% |
| CB&S Bank, Inc.Russellville | $2.9B | C | 0.85% |
| Oakworth Capital BankBirmingham | $2.0B | B | 1.17% |
| Troy Bank & Trust CompanyTroy | $1.6B | A | 1.34% |
Frequently asked questions
What is The Southern Bank Company's health grade?▼
The Southern Bank Company receives a health grade of B (65/100) 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 good financial health with solid capital levels above regulatory minimums.
How large is The Southern Bank Company?▼
The Southern Bank Company holds $130M in total assets and $103M in deposits, ranking 3,518th of 4,313 FDIC-insured banks by asset size. It is headquartered in Gadsden, Alabama.
Is my money safe at The Southern Bank Company?▼
Yes, deposits at The Southern Bank Company (Certificate #29731) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Southern Bank Company's Tier 1 Capital Ratio?▼
The Southern Bank Company has a Tier 1 Capital Ratio of 14.48%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The Southern Bank Company?▼
The Southern Bank Company has a Texas Ratio of 10.17%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Southern Bank Company?▼
The Southern Bank Company has an Efficiency Ratio of 82.79%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Southern Bank Company's profile as a depositor or analyst.
- The Southern Bank Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Southern Bank Company against other Alabama banks before moving funds. Alabama 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.