Southern Bank of Tennessee: how it compares with its peers
Against 47 TN banks with half to twice its assets, Southern Bank of Tennessee's strongest measure in Q2 2026 is assets per employee ($7.3M vs. a $6.5M peer median). Its weakest relative measure is efficiency ratio (70.31% vs. 64.99%).
| Measure | Southern Bank of Tennessee | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.27% | 1.09% | Middle third Ahead of 66% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.00% | 4.00% | Middle third Ahead of 47% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.31% | 64.99% | Middle third Ahead of 34% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $6.5M | Top third Ahead of 74% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.28% | 83.86% | Context |
What it means for lending operations
Its efficiency ratio of 70.31% is above the 64.99% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of Bartlett Bartlett, TN · $552M
- CBBC Bank Maryville, TN · $562M
- TriStar Bank Dickson, TN · $563M
- Bank3 Memphis, TN · $492M
- INSOUTH Bank Brownsville, TN · $592M
- Wayne County Bank Waynesboro, TN · $595M
Questions about Southern Bank of Tennessee
How big is Southern Bank of Tennessee?
Southern Bank of Tennessee, established in 1999, is headquartered in Mount Juliet, TN. It reported $533M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Southern Bank of Tennessee's return on assets?
1.27% annualized in Q2 2026, against a 1.09% median for 47 TN banks with half to twice its assets, ahead of 66% of them.
What is Southern Bank of Tennessee's efficiency ratio?
70.31% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 64.99%, and lower is better.
Is Southern Bank of Tennessee growing its loans?
Net loans grew 8.0% over the year to Q2 2026, while deposits grew 13.5%.
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 TN 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 Tennessee bank ranked.