Overview / Commentary
706-754-0001
111 Southern Bank Drive
Clarkesville, GA 30523

Southern Bank & Trust (GA) is headquartered in Clarkesville and is the 88th largest bank in the state of Georgia. It is also the 3,141st largest bank in the nation. It was established in 2005 and as of June of 2018, it had grown to 37 employees at 4 locations. Southern Bank & Trust (GA)'s money market rates are 48% higher than the national average, and it has an A health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #58143
Year Established2005
Employees37
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.28%
Return on Equity - YTD14.09%
Annual Interest Income$4.4MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$176.2MM$156.2MM
LoansQ2 2018vs Q2 2017$147.4MM$130.0MM
DepositsQ2 2018vs Q2 2017$156.3MM$134.7MM
Equity CapitalQ2 2018vs Q2 2017$16.5MM$15.4MM
Loan Loss AllowanceQ2 2018vs Q2 2017$2.1MM$2.0MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$1.1MM$1.2MM
Real Estate OwnedQ2 2018vs Q2 2017$0$8.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Southern Bank & Trust (GA); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Southern Bank & Trust (GA) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$100-Southern Savings
0.25%--Southern Student Savings

Southern Bank & Trust (GA) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%*$250k*-Southern Money Market Account
OTHER TIERS: 0.35% $1k - $50k | 0.45% $50k - $100k | 0.55% $100k - $250k

Southern Bank & Trust (GA) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$10k*-Southern Secure Checking
OTHER TIERS: 0.15% $1k - $2.5k | 0.20% $2.5k - $10k
0.25%*$10k*-Southern Secure Classic Checking
OTHER TIERS: 0.15% Up to $2.5k | 0.20% $2.5k - $10k
0.15%$1k-Southern Senior Checking

Southern Bank & Trust (GA) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%$500-60 Month CD
1.21%$500-48 Month CD
1.10%$500-36 Month CD
1.05%$500-24 Month CD
1.00%$500-18 Month CD
0.75%$500-12 Month CD
0.40%$500-6 Month CD
0.25%$500-3 Month CD

Southern Bank & Trust (GA) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%$500-60 Month IRA
1.21%$500-48 Month IRA
1.10%$500-36 Month IRA
1.05%$500-24 Month IRA
1.00%$500-18 Month IRA
0.75%$500-12 Month IRA
0.40%$500-6 Month IRA
0.25%$500-3 Month IRA
Locations


Southern Bank & Trust (GA) Locations
Southern Bank & Trust111 Southern Bank DriveClarkesville, GA 30523
Blairsville Branch361 Blue Ridge StreetBlairsville, GA 30512

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