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This institution is no longer active

Operations ceased on April 1, 2020. CRA examination history below reflects the period it was active.

SOUTHERN BANK & TRUST

CLARKESVILLE, GA · Supervised by FDIC

Est. 2005FDIC #58,143RSSD: FDIC-58143
Part ofSBT BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2017

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -3.03%

Institution Profile

FDIC BankFind

Address

111 Southern Bank Drive, CLARKESVILLE, GA

County

Habersham County

Established

December 6, 2005

Total Assets

$228M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2017

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 9 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2020Call Report / FDIC

Total Assets

$228M

Total Deposits

$202M

Net Loans

$179M

Net Income

$-1,735K

ROA

-3.03%

ROE

-35.62%

Risk-Based Capital

11.70%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2008

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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