Southern Bank and Trust Company: how it compares with its peers
Against 335 U.S. banks with half to twice its assets, Southern Bank and Trust Company's strongest measure in Q2 2026 is efficiency ratio (52.63% vs. a 56.14% peer median). Its weakest relative measure is assets per employee ($8.8M vs. $9.7M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.40% | 1.32% | Middle third Ahead of 59% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.70% | 3.66% | Middle third Ahead of 53% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.63% | 56.14% | Middle third Ahead of 64% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.8M | $9.7M | Middle third Ahead of 38% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.87% | 88.43% | Context |
What it means for lending operations
Its efficiency ratio of 52.63% is better than the 56.14% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Leader Bank, National Association Arlington, MA · $5.28B
- InterBank Oklahoma City, OK · $5.33B
- Alerus Financial, National Association Grand Forks, ND · $5.28B
- Celtic Bank Salt Lake City, UT · $5.33B
- Morton Community Bank Morton, IL · $5.35B
- Five Star Bank Roseville, CA · $5.38B
Questions about Southern Bank and Trust Company
How big is Southern Bank and Trust Company?
Southern Bank and Trust Company, established in 1901, is headquartered in Mount Olive, NC. It reported $5.30B in total assets in its Q2 2026 FDIC call report and operates 57 offices.
What is Southern Bank and Trust Company's return on assets?
1.40% annualized in Q2 2026, against a 1.32% median for 335 U.S. banks with half to twice its assets, ahead of 59% of them.
What is Southern Bank and Trust Company's efficiency ratio?
52.63% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 56.14%, and lower is better.
Is Southern Bank and Trust Company growing its loans?
Net loans grew 8.4% over the year to Q2 2026, while deposits grew 7.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every North Carolina bank ranked.