🏦Bank Scorer

SOUTHERN BANK AND TRUST COMPANY

MOUNT OLIVE, NC · Supervised by FDIC

Est. 1901FDIC #15,359RSSD: FDIC-15359
Part ofSOUTHERN BANCSHARES N C INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.89%

Institution Profile

FDIC BankFind

Address

100 N Center St, MOUNT OLIVE, NC

County

Wayne County

Established

January 1, 1901

Total Assets

$5.3B(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

October 1, 2024

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$5.3B

Total Deposits

$4.8B

Net Loans

$3.4B

Net Income

$12M

ROA

0.89%

ROE

10.90%

Risk-Based Capital

14.07%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate13.67%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

56

Branch Deposits

$4.5B

1-Year Change

-1

5-year net change: -7 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,70577.65%13.67%
20231,90977.58%12.83%
20222,51186.94%7.37%
20212,98783.53%7.47%
20203,21084.98%6.85%
20191,66484.98%7.03%
20181,36484.24%9.38%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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