Southern Bank and Trust Company

Southern Bank and Trust Company is a currently active commercial lending specialization banking institution headquartered in Mount Olive, North Carolina. Established in 01/01/1901, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Southern Bank and Trust Company manages $5.25B in total assets and holds $4.77B in customer deposits. When evaluating the stability of Southern Bank and Trust Company, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 8.22%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 0.89%, while its Return on Equity (ROE) sits at 10.90%. These robust metrics contribute to an overall health score of 9.0 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.