Overview / Commentary
111 Southern Bank Drive
Clarkesville, GA 30523

Southern Bank & Trust (GA) is headquartered in Clarkesville and is the 81st largest bank in the state of Georgia. It is also the 3,038th largest bank in the nation. It was established in 2005 and as of September of 2018, it had grown to 39 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 Grade Components

FDIC Certificate #58143
Year Established2005
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.3%
Return on Equity - YTD14.26%
Annual Interest Income$6.8MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$186.1MM$173.4MM
LoansQ3 2018vs Q3 2017$149.4MM$133.9MM
DepositsQ3 2018vs Q3 2017$162.4MM$151.3MM
Equity CapitalQ3 2018vs Q3 2017$17.0MM$15.9MM
Loan Loss AllowanceQ3 2018vs Q3 2017$2.1MM$2.1MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$1.2MM$1.3MM
Real Estate OwnedQ3 2018vs Q3 2017$0$8.00K
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Always verify rates and promotions with the bank or credit union. We are not Southern Bank & Trust (GA); we are a rate comparison website and cannot provide official rates or promotions.

* 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

0.35%$100-Southern Savings
0.35%--Southern Student Savings

Southern Bank & Trust (GA) Money Market Rates

1.36%*$500k*-Southern Money Market Account
OTHER TIERS: 0.45% $1k - $50k | 0.55% $50k - $100k | 0.65% $100k - $250k | 1.00% $250k - $500k
1.36%*$500k*-Business Southern Money Market Account
OTHER TIERS: 0.45% $1k - $50k | 0.55% $50k - $100k | 0.65% $100k - $250k | 1.00% $250k - $500k

Southern Bank & Trust (GA) Checking Account Rates

0.35%*$10k*-Southern Secure Checking
OTHER TIERS: 0.25% $1k - $2.5k | 0.30% $2.5k - $10k
0.35%*$10k*-Southern Secure Classic Checking
OTHER TIERS: 0.25% Up to $2.5k | 0.30% $2.5k - $10k
0.20%$1k-Southern Senior Checking

Southern Bank & Trust (GA) CD Rates

2.52%$100k-12 Month Jumbo CD Special
1.36%$500-60 Month CD
1.31%$500-48 Month CD
1.21%$500-36 Month CD
1.15%$500-24 Month CD
1.10%$500-18 Month CD
1.00%$500-12 Month CD
0.50%$500-6 Month CD
0.35%$500-3 Month CD

Southern Bank & Trust (GA) IRA Rates

1.36%$500-60 Month IRA
1.31%$500-48 Month IRA
1.21%$500-36 Month IRA
1.15%$500-24 Month IRA
1.10%$500-18 Month IRA
1.00%$500-12 Month IRA
0.50%$500-6 Month IRA
0.35%$500-3 Month IRA

Southern Bank & Trust (GA) Locations
Southern Bank & Trust111 Southern Bank DriveClarkesville, GA 30523
Blairsville Branch361 Blue Ridge StreetBlairsville, GA 30512

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