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.
FDIC Call Report plate
Cert 29731 · AL B · 65/100
GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL
- GRADE-B B (65/100)
- LOWER-Q #3529/4307
- PHOTO-FINISH Four Corners Communi… · NM
- TIER1-WELL 14.5% Tier 1
- TEXAS-CLEAN 10.2% Texas
- ROA-THIN 0.74% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Alabama: Four Corners Community Bank, NM (±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 The Southern Bank Company
Lowest and highest poles plus nearest scored peers outside Alabama, not a full FDIC corpus board reprint.
What The Southern Bank Company's Call Report plate shows
The Southern Bank Company (FDIC Cert #29731) carries a PlainBankData health grade of B at 65/100, 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 #3,529 of 4,307. Tier 1 capital prints at 14.48%, clearing the 10% well-capitalized line. The Texas Ratio is 10.17%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.74%. Balance-sheet scale is $130M, 3,518th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Four Corners Community Bank (NM), 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 The Southern Bank Company
7 FAILURE resolutions in Alabama since 2000 (7 since 2008)
The Southern Bank Company's home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; The Southern Bank Company remains an active FDIC-insured reporter.
- ALABAMA TRUST BANK, NATIONAL ASSOCIATION SYLACAUGA, AL 2012 → SOUTHERN STATES BANK
- SUPERIOR BANK BIRMINGHAM, AL 2011 → SUPERIOR BANK, N.A.
- NEXITY BANK BIRMINGHAM, AL 2011 → ALOSTAR BANK OF COMMERCE
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Alabama banks.
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.
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: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
65 18th percentile higher than 18% of 4,307 FDIC-insured banks
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
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 ratios for The Southern Bank Company
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: The Southern Bank Company
Return on Assets (ROA)
27th percentile nationally
0.74%
Return on Equity (ROE)
5.80%
Efficiency Ratio
82.79%
Income & expense at The Southern Bank Company
$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
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($130M here), outside Alabama so the neighborhood is not state containment.
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.
The Southern Bank Company Call Report profile · FDIC Failed Bank List · Alabama FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
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% |