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Southern Bank and Trust Company

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Southern Bank and Trust Company Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Southern Bank and Trust Company provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 16, 2026

Southern Bank and Trust Company rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.91%, 6-month CD rates at 2.74% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.20%. Mortgage rates on 30-year fixed loans are around 7.39%. These rates come from our rate database, not Southern Bank and Trust Company, and you can see how they compare in the Southern Bank and Trust Company rate tables below. MonitorBankRates evaluates the financial stability of Southern Bank and Trust Company with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.13%. Database rates last updated and verified on 10/16/2026.

Southern Bank and Trust Company money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Southern Bank and Trust Company? Share your experience about Southern Bank and Trust Company by leaving a review below, or read customer reviews before you decide to use Southern Bank and Trust Company.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.13%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Southern Bank and Trust Company

100 N Center St
Mount Olive, NC 28365

https://www.southernbank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Current Rate Availability

We're not currently displaying rates for Southern Bank and Trust Company, but our database is updated constantly, so check back soon for the latest offers.

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Financial Health History

Southern Bank and Trust Company’s Texas Ratio fell from 3.22% in Q3 2023 to 1.13% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 2.9 to 5.0 and its Health Grade from C to A+. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$5.3B	1.13%	5.0	A+
March 31, 2026	$5.3B	0.97%	5.0	A+
December 31, 2025	$5.2B	1.02%	5.0	A+
September 30, 2025	$5.2B	1.20%	5.0	A+
June 30, 2025	$4.9B	1.22%	5.0	A+
March 31, 2025	$4.9B	1.48%	5.0	A+
December 31, 2024	$5.0B	1.74%	4.8	A
September 30, 2024	$5.0B	1.73%	5.0	A+
June 30, 2024	$4.8B	2.13%	4.4	A-
March 31, 2024	$4.8B	2.19%	4.2	A-
December 31, 2023	$4.8B	2.49%	4.1	A-
September 30, 2023	$4.7B	3.22%	2.9	C

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Southern Bank and Trust Company is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Southern Bank and Trust Company rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Southern Bank and Trust Company's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Southern Bank and Trust Company

Website https://www.southernbank.com

Address 100 N Center St, Mount Olive, NC 28365 · Wayne

Bank Holding Company SOUTHERN BANCSHARES N C INC

FDIC Certificate # 15359

Regulator FDIC

Established January 1, 1901

FDIC Insurance Date March 2, 1936

Domestic Offices 56

Total Branches 57

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.13%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.4022%

Return on Equity (ROE)

17.1300%

Non-Performing Loans Ratio (NPL)

0.08%

Total Assets

$5,304,325,000

Total Deposits

$4,828,278,000

Equity Capital

$433,697,000

Net Income

$36,817,000

Headquarters

Mount Olive

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

Q2 2026 MBR Health & Safety Badge

Southern Bank and Trust Company earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/banks/southern-bank-and-trust-company-rates-review-15359">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Southern Bank and Trust Company

How many branches does Southern Bank and Trust Company operate?

Southern Bank and Trust Company currently maintains approximately 57 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Southern Bank and Trust Company does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Southern Bank and Trust Company provides members with tools to manage their accounts and build a solid financial history.

Does Southern Bank and Trust Company offer online and mobile banking?

Most modern institutions like Southern Bank and Trust Company provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.southernbank.com.