Southern Bank & Trust (GA)

Overview / Commentary

www.southernbankandtrust.com

706-754-0001

111 Southern Bank Drive
Clarkesville, GA 30523

Southern Bank & Trust (GA) is headquartered in Clarkesville and is the 70^th largest bank in the state of Georgia. It is also the 2,732^nd largest bank in the nation. It was established in 2005 and as of June of 2019, it had grown to 43 employees at 4 locations. Southern Bank & Trust (GA)'s money market rates are 3X the national average, and it has an A health rating.

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Health

Data as of Q2 2019

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Health Grade Components

Overall
FDIC Certificate #	58143
Year Established	2005
Employees	43
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.24%
Return on Equity - YTD	13.98%
Annual Interest Income	$5.4MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$216.2MM$176.2MM
Loans	Q2 2019vs Q2 2018	$174.1MM$147.4MM
Deposits	Q2 2019vs Q2 2018	$191.2MM$156.3MM
Equity Capital	Q2 2019vs Q2 2018	$19.1MM$16.5MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$2.2MM$2.1MM
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$1.0MM$1.1MM
Real Estate Owned	Q2 2019vs Q2 2018	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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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

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
1.16%^*	$500k^*	-	Southern Money Market Account
OTHER TIERS: 0.30% → $1k - $50k \| 0.40% → $50k - $100k \| 0.50% → $100k - $250k \| 0.85% → $250k - $500k
1.16%^*	$500k^*	-	Business Southern Money Market Account
OTHER TIERS: 0.30% → $1k - $50k \| 0.40% → $50k - $100k \| 0.50% → $100k - $250k \| 0.85% → $250k - $500k

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
0.20%	$1k	-	Southern Business Interest Checking
0.10%	$1k	-	Southern Senior Checking

Southern Bank & Trust (GA) CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.21%	$500	-	60 Month CD
1.15%	$500	-	48 Month CD
1.10%	$500	-	36 Month CD
1.05%	$500	-	24 Month CD
1.00%	$500	-	18 Month CD
0.90%	$500	-	12 Month CD
0.35%	$500	-	6 Month CD
0.20%	$500	-	3 Month CD

Southern Bank & Trust (GA) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.21%	$500	-	60 Month IRA
1.15%	$500	-	48 Month IRA
1.10%	$500	-	36 Month IRA
1.05%	$500	-	24 Month IRA
1.00%	$500	-	18 Month IRA
0.90%	$500	-	12 Month IRA
0.35%	$500	-	6 Month IRA
0.20%	$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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