Southern Bank & Trust (GA)

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LOCATIONS

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
0.65%	5-year CD	60 Month CD 2.35% - Synchrony Bank 60 Month CD
0.40%	1-year CD	12 Month CD 1.40% - Synchrony Bank 12 Month CD
0.15%	Savings	Regular Savings 1.20% - Synchrony Bank High Yield Savings

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 102^nd largest bank in the state of Georgia. It is also the 3,553^rd largest bank in the nation. It was established in 2005 and as of March of 2017, it had grown to 34 employees at 3 locations. Southern Bank & Trust (GA) has an A health rating.

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Health

A

Data as of Q1 2017

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Health Grade Components

Overall
FDIC Certificate #	58143
Year Established	2005
Employees	34
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.06%
Return on Equity - YTD	10.6%
Annual Interest Income	$1.7MM

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$150.5MM$130.3MM
Loans	Q1 2017vs Q1 2016	$120.6MM$94.5MM
Deposits	Q1 2017vs Q1 2016	$134.9MM$115.5MM
Equity Capital	Q1 2017vs Q1 2016	$14.9MM$13.9MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$2.0MM$1.8MM
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$1.2MM$1.3MM
Real Estate Owned	Q1 2017vs Q1 2016	$8.00K$19.00K

Rates

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Southern Bank & Trust (GA) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	$100	-	Regular Savings
0.15%	-	-	Southern Student Savings

Southern Bank & Trust (GA) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$100k^*	-	Southern Money Market Account
OTHER TIERS: 0.15% → $1k - $50k \| 0.25% → $50k - $100k

Southern Bank & Trust (GA) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
0.65%	$500	-	60 Month CD
0.60%	$500	-	48 Month CD
0.55%	$500	-	36 Month CD
0.50%	$500	-	24 Month CD
0.40%	$500	-	12 Month CD
0.15%	$500	-	6 Month CD
0.10%	$500	-	3 Month CD

Southern Bank & Trust (GA) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.65%	$500	-	60 Month IRA
0.60%	$500	-	48 Month IRA
0.55%	$500	-	36 Month IRA
0.50%	$500	-	24 Month IRA
0.40%	$500	-	12 Month IRA
0.15%	$500	-	6 Month IRA
0.10%	$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