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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 87th largest bank in the state of Georgia. It is also the 3,245th largest bank in the nation. It was established in 2005 and as of September of 2017, it had grown to 36 employees at 3 locations. Southern Bank & Trust (GA) has an A health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #58143
Year Established2005
Employees36
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.09%
Return on Equity - YTD11.19%
Annual Interest Income$5.6MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$173.4MM$141.9MM
LoansQ3 2017vs Q3 2016$133.9MM$107.2MM
DepositsQ3 2017vs Q3 2016$151.3MM$126.0MM
Equity CapitalQ3 2017vs Q3 2016$15.9MM$14.7MM
Loan Loss AllowanceQ3 2017vs Q3 2016$2.1MM$1.9MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$1.3MM$1.2MM
Real Estate OwnedQ3 2017vs Q3 2016$8.00K$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-Regular Savings
0.15%--Southern Student Savings

Southern Bank & Trust (GA) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW 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

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
0.70%$500-60 Month CD
0.65%$500-48 Month CD
0.60%$500-36 Month CD
0.55%$500-24 Month CD
0.50%$500-12 Month CD
0.20%$500-6 Month CD
0.15%$500-3 Month CD

Southern Bank & Trust (GA) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%$500-60 Month IRA
0.65%$500-48 Month IRA
0.60%$500-36 Month IRA
0.55%$500-24 Month IRA
0.50%$500-12 Month IRA
0.20%$500-6 Month IRA
0.15%$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