Southern Bank & Trust (GA)

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
0.70%	5-year CD	60 Month CD 2.50% - Ally Bank High Yield 5 Year CD
0.50%	1-year CD	12 Month CD 2.10% - Goldman Sachs Bank USA High-yield 12 Month CD
0.15%	Savings	Regular Savings 1.30% - Nationwide Bank Online 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 87^th largest bank in the state of Georgia. It is also the 3,209^th largest bank in the nation. It was established in 2005 and as of December 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

A

Data as of Q4 2017

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Health Grade Components

Overall
FDIC Certificate #	58143
Year Established	2005
Employees	36
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.94%
Return on Equity - YTD	9.82%
Annual Interest Income	$7.7MM

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$175.2MM$143.5MM
Loans	Q4 2017vs Q4 2016	$140.5MM$116.6MM
Deposits	Q4 2017vs Q4 2016	$154.2MM$126.8MM
Equity Capital	Q4 2017vs Q4 2016	$15.7MM$14.4MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$2.1MM$2.0MM
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$1.4MM$1.2MM
Real Estate Owned	Q4 2017vs Q4 2016	$8.00K$8.00K

Rates

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Money Market
Checking
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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
0.15%	$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
0.70%	$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

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

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