BlastPoint's Banking Scorecard
Southern Bank and Trust Company
Mid-Market
Specialty: Commercial
NC
FDIC cert 15359
Mount Olive, NC
201
banks in Mid-Market tier nationally
3 in NC
View Mid-Market leaderboard (NC) →
Southern Bank and Trust Company has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.55% below tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 28% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.2B
+3.7% YoY
+0.8% QoQ
|
-$5.3B |
$10.5B
+2.9% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$3.4B
+5.1% YoY
+1.9% QoQ
|
-$3.7B |
$7.1B
+4.5% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$4.7B
+5.3% YoY
+0.7% QoQ
|
-$3.8B |
$8.5B
+3.0% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
1.19%
-9.0% YoY
+36.5% QoQ
|
+0.02% |
1.16%
+9.4% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
51% |
| Net Interest Margin ? |
3.33%
+21.2% YoY
+2.7% QoQ
|
-0.07% |
3.40%
+7.9% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
56.59%
-13.2% YoY
-2.8% QoQ
|
-0.02% |
56.60%
-3.2% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
52% |
| Delinquency Rate ? |
0.13%
-30.3% YoY
-14.0% QoQ
|
-0.55% |
0.68%
+12.0% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
Top 9% in tier |
| Loan-to-Deposit Ratio ? |
72.25%
-0.1% YoY
+1.3% QoQ
|
-13.22% |
85.47%
+1.1% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
31.51%
+3.3% YoY
-1.5% QoQ
|
+10.87% |
20.64%
-0.3% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? |
0.08%
-29.3% YoY
-13.3% QoQ
|
-0.41% |
0.50%
+7.3% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
Top 11% in tier |
| Tier 1 Capital Ratio ? |
12.93%
-1.7% YoY
-3.8% QoQ
|
-0.62% |
13.55%
+1.8% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.57%
+0.5% YoY
+32.0% QoQ
|
-0.39% |
0.96%
+7.1% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (1)
Delinquency Rate
metric
Top 9%
in Mid-Market
Why this stands out
Current:
0.13%
(Tier avg: 0.68%, National avg: 0.66%)
Concerns (1)
Margin Compression
decline
#6 of 19 · Bottom 28% in Mid-Market
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.19%
(Tier: 1.16%, National: 1.12%)
19 of 19 Mid-Market banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.68%
89
89th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 31.51% · Tier avg: 20.64%
52
52th pctile
Efficiency Ratio
Current: 56.59% · Tier avg: 56.60%
51
51th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.16%
49
49th pctile
Tier 1 Capital Ratio
Current: 12.93% · Tier avg: 13.55%
39
39th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.40%
37
37th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.96%
19
19th pctile
Loan-to-Deposit Ratio
Current: 72.25% · Tier avg: 85.47%
13
13th pctile
Total Deposits
Current: $4.7B · Tier avg: $8.5B
9
9th pctile
Total Loans
Current: $3.4B · Tier avg: $7.1B
3
3th pctile
Total Assets
Current: $5.2B · Tier avg: $10.5B
Top Weaknesses
3
3th pctile
Total Assets
Current: $5.2B · Tier avg: $10.5B
9
9th pctile
Total Loans
Current: $3.4B · Tier avg: $7.1B
13
13th pctile
Total Deposits
Current: $4.7B · Tier avg: $8.5B
19
19th pctile
Loan-to-Deposit Ratio
Current: 72.25% · Tier avg: 85.47%
37
37th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.96%
39
39th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.40%
49
49th pctile
Tier 1 Capital Ratio
Current: 12.93% · Tier avg: 13.55%
51
51th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.16%
52
52th pctile
Efficiency Ratio
Current: 56.59% · Tier avg: 56.60%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 31.51% · Tier avg: 20.64%
89
89th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
91
91th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.68%