Southern Bank & Trust (GA)

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
1.26%	5-year CD	3.10% - Synchrony Bank 60 Month CD
0.75%	1-year CD	2.50% - Synchrony Bank 12 Month CD
0.25%	Savings	1.90% - American Express National Bank High Yield Savings Account

View all Southern Bank & Trust (GA) rates »

Overview / Commentary

www.sbandt.com

706-754-0001

111 Southern Bank Drive
Clarkesville, GA 30523

Southern Bank & Trust (GA) is headquartered in Clarkesville and is the 88^th largest bank in the state of Georgia. It is also the 3,141^st 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

A

Data as of Q2 2018

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Health Grade Components

Overall
FDIC Certificate #	58143
Year Established	2005
Employees	37
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.28%
Return on Equity - YTD	14.09%
Annual Interest Income	$4.4MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$176.2MM$156.2MM
Loans	Q2 2018vs Q2 2017	$147.4MM$130.0MM
Deposits	Q2 2018vs Q2 2017	$156.3MM$134.7MM
Equity Capital	Q2 2018vs Q2 2017	$16.5MM$15.4MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$2.1MM$2.0MM
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$1.1MM$1.2MM
Real Estate Owned	Q2 2018vs Q2 2017	$0$8.00K

Rates

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Money Market
Checking
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Southern Bank & Trust (GA) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	$100	-	Southern Savings
0.25%	-	-	Southern Student Savings

Southern Bank & Trust (GA) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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 & Trust	111 Southern Bank Drive	Clarkesville, GA 30523
Blairsville Branch	361 Blue Ridge Street	Blairsville, GA 30512

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