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

Southern Bank & Trust (GA) is headquartered in Clarkesville and is the 84th largest bank in the state of Georgia. It is also the 3,151st largest bank in the nation. It was established in 2005 and as of March of 2018, it had grown to 34 employees at 3 locations. Southern Bank & Trust (GA)'s money market rates are 14% 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
Employees34
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.14%
Return on Equity - YTD12.72%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$177.9MM$150.5MM
LoansQ1 2018vs Q1 2017$142.8MM$120.6MM
DepositsQ1 2018vs Q1 2017$156.9MM$134.9MM
Equity CapitalQ1 2018vs Q1 2017$16.0MM$14.9MM
Loan Loss AllowanceQ1 2018vs Q1 2017$2.1MM$2.0MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$1.1MM$1.2MM
Real Estate OwnedQ1 2018vs Q1 2017$85.00K$8.00K
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 & Trust (GA) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$100-Southern Savings
0.15%--Southern Student Savings

Southern Bank & Trust (GA) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$250k*-Southern Money Market Account
OTHER TIERS: 0.15% $1k - $50k | 0.25% $50k - $100k | 0.30% $100k - $250k

Southern Bank & Trust (GA) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$10k*-Southern Secure Checking
OTHER TIERS: 0.05% $1k - $2,500 | 0.10% $2,500 - $10k
0.15%*$10k*-Southern Secure Classic Checking
OTHER TIERS: 0.05% Up to $2,500 | 0.10% $2,500 - $10k
0.05%$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
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
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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