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Southern Bank and Trust Company

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
0.35%5-year CD5 Year CD
0.10%1-year CD12 - 17 Month CD
0.02%SavingsRegular Savings

Overview / Commentary
919-658-7000
100 North Center Street
Mount Olive, NC 28365

Southern Bank and Trust Company is headquartered in Mount Olive and is the 10th largest bank in the state of North Carolina. It is also the 347th largest bank in the nation. It was established in 1901 and as of June of 2016, it had grown to 544 employees at 62 locations. Southern Bank and Trust Company has an A health rating.

Reviews (3)

Great Service Every Time!

Banking with South Bank and Trust has been a refreshing experience. I had currently had accounts with Wells Fargo and was tired of racking up fees and never being able to properly cancel services. I had heard nothing but great things about Southern Bank, so I decided to make the switch four years ago. I make a lot of purchases online and they have given me the freedom to do so safely. They routinely call me if I have made several purchases to new vendors to verify all of the charges are correct. If there is a disputed charge, they have been quick to deny it and protect my safety. The tellers are excellent people who are always friendly, helpful, and efficient. It's wonderful knowing that my checking and savings accounts are in great hands!

DID NOT KEEP THEIR WORD

SOUTHERN BANK DID NOT KEEP ITS WORD ON A LOAN THEY GAVE ME, SO I WAS NOT ABLE TO KEEP MY WORD TO THE MAN I WAS BUYING LAND FROM,THEY WOULD NOT RETURN CALLS FOR WEEKS.THE MGR IN AHOSKIE TALKED UGLY TO ME, THEY CAUSED ME TO LOOSE A PEACE OF LAND I WANTED TO RETIRE ON. I WOULD NOT DEAL WITH THIS BANK

JERRY RABEY

THIS BANK DOES NOT KEEP ITS WORD.THEY HAVE JERKED MY WIFE AND I AROUND FOR THE LAST 30 DAYS. I DONT KNOW HOW THEY STAY IN BUSINESS.



Health
A

Health Grade Components

Overall
FDIC Certificate #15359
Year Established1901
Employees544
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.54%
Return on Equity - YTD5.43%
Annual Interest Income$44.0MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$2.40B$2.17B
LoansQ2 2016vs Q2 2015$1.44B$1.13B
DepositsQ2 2016vs Q2 2015$2.06B$1.87B
Equity CapitalQ2 2016vs Q2 2015$244.2MM$206.2MM
Loan Loss AllowanceQ2 2016vs Q2 2015$14.9MM$15.3MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$8.7MM$22.7MM
Real Estate OwnedQ2 2016vs Q2 2015$993.00K$1.3MM
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Southern Bank and Trust Company Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$100-Education Savings Account
0.02%$100-Regular Savings

Southern Bank and Trust Company Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$1m*-Premium MMS
OTHER TIERS: 0.03% Up to $25k | 0.07% $25k - $50k | 0.15% $50k - $100k | 0.18% $100k - $500k | 0.20% $500k - $1mm
0.20%$100-IRA Money Market
0.10%*$100k*-Insured Money Market Savings
OTHER TIERS: 0.01% Up to $25k | 0.05% $25k - $100k

Southern Bank and Trust Company Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.01%$100-Commercial Interest on Checking
0.01%--Gold BaZing
0.01%--Gold 50 BaZing
0.01%--Prime Checking
0.01%--Plus Checking

Southern Bank and Trust Company CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%$500-5 Year CD
0.30%$500-48 - 59 Month CD
0.25%$500-36 - 47 Month CD
0.20%$500-24 - 35 Month CD
0.20%$500-12 - 17 Month Plus/Prime CD
0.15%$500-18 - 23 Month CD
0.15%$5k-182 - 364 Day Plus/Prime CD
0.10%$500-12 - 17 Month CD
0.05%$500-7 - 31 Day CD
0.05%$500-182 - 364 Day CD
0.05%$500-32 - 90 Day CD
0.05%$500-91 - 181 Day CD
0.02%$500$100k24 Month Step Rate CD

Southern Bank and Trust Company IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%--60 Month IRA
0.30%--48 - 59 Month Fixed IRA
0.25%--36 - 47 Month Fixed IRA
0.20%--24 -35 Month Fixed IRA
0.15%$100-18 Month Variable IRA
0.15%--18 - 23 Month Fixed IRA
0.10%--12 - 17 Month Fixed IRA
0.05%--182 - 364 Day IRA
Locations

Southern Bank and Trust Company has 63 locations. Click to view all Southern Bank and Trust Company locations.