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  2. Southern Bank and Trust Company

Southern Bank and Trust Company

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
0.35%5-year CD5 Year CD
2.50% - Ally Bank High Yield 5 Year CDAdvertisement
0.10%1-year CD12 - 17 Month CD
2.10% - Goldman Sachs Bank USA High-yield 12 Month CDAdvertisement
0.02%SavingsRegular Savings
1.30% - Nationwide Bank Online Savings Account
View all Southern Bank and Trust Company rates »

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

Southern Bank and Trust Company is headquartered in Mount Olive and is the 7th largest bank in the state of North Carolina. It is also the 352nd largest bank in the nation. It was established in 1901 and as of December of 2017, it had grown to 546 employees at 61 locations. Southern Bank and Trust Company has an A+ health rating.

Reviews (3)

Great Service Every Time!

Posted by: TunaHelper | Mar 14, 2016

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!

1

DID NOT KEEP THEIR WORD

Posted by: Jerry Rabey | Jun 5, 2014

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

3

JERRY RABEY

Posted by: Jerry Rabey | May 21, 2014

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.

2


Health
A+

Data as of Q4 2017

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #15359
Year Established1901
Employees546
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.1%
Return on Equity - YTD10.94%
Annual Interest Income$96.5MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$2.58B$2.46B
LoansQ4 2017vs Q4 2016$1.62B$1.50B
DepositsQ4 2017vs Q4 2016$2.25B$2.12B
Equity CapitalQ4 2017vs Q4 2016$268.8MM$242.8MM
Loan Loss AllowanceQ4 2017vs Q4 2016$18.4MM$16.8MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$7.2MM$7.0MM
Real Estate OwnedQ4 2017vs Q4 2016$783.00K$1.7MM
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
0.02%--Regular Savings

Southern Bank and Trust Company Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$1m*-Premium MMS
OTHER TIERS: 0.05% → Up to $25k | 0.10% → $25k - $50k | 0.15% → $50k - $100k | 0.20% → $100k - $500k | 0.25% → $500k - $1mm
0.20%--IRA Money Market
0.20%--Money Market ROTH IRA
0.15%*$100k*-Insured Money Market Savings
OTHER TIERS: 0.02% → Up to $1k | 0.05% → $1k - $25k | 0.10% → $25k - $100k

Southern Bank and Trust Company Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.02%--Personal Interest on Checking
0.02%--Commercial Interest on Checking

Southern Bank and Trust Company CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%$500$100k5 Year CD
0.32%$500$100k24 Month Step Rate CD Months 7 to 12
0.30%$500$100k48 - 59 Month CD
0.25%$500$100k36 - 47 Month CD
0.22%$500$100k24 Month Step Rate CD Months 19 to 24
0.20%$500$100k24 - 35 Month CD
0.20%$5k$100k12 - 17 Month Plus/Prime CD
0.15%$500$100k18 - 23 Month CD
0.15%$5k$100k182 - 364 Day Plus/Prime CD
0.12%$500$100k24 Month Step Rate CD Months 13 to 18
0.10%$500$100k12 - 17 Month CD
0.05%$500$100k7 - 31 Day CD
0.05%$500$100k182 - 364 Day CD
0.05%$500$100k32 - 90 Day CD
0.05%$500$100k91 - 181 Day CD
0.02%$500$100k24 Month Step Rate CD Months 1 to 6

Southern Bank and Trust Company IRA Rates

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

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