Southern Bank & Trust is an FDIC insured institution headquartered at
111 Southern Bank Drive, Clarkesville, GA 30523.
It was founded in
2005 and has approximately $0 billion in
assets. Customers can open an account at one of its 3 branches.
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
Savings
|
0.20% | $2,500 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
0.80% | $10,000 | Compare |
|
6 Mo CD
|
0.80% | $100,000 | Compare |
|
12 Mo CD
|
1.00% | $10,000 | Compare |
|
12 Mo CD
|
1.00% | $100,000 | Compare |
|
18 Mo CD
|
1.05% | $10,000 | Compare |
|
18 Mo CD
|
1.05% | $100,000 | Compare |
|
24 Mo CD
|
1.10% | $10,000 | Compare |
|
24 Mo CD
|
1.10% | $100,000 | Compare |
|
30 Mo CD
|
1.10% | $10,000 | Compare |
|
30 Mo CD
|
1.10% | $100,000 | Compare |
|
36 Mo CD
|
1.10% | $10,000 | Compare |
|
36 Mo CD
|
1.10% | $100,000 | Compare |
|
48 Mo CD
|
1.10% | $10,000 | Compare |
|
48 Mo CD
|
1.10% | $100,000 | Compare |
|
60 Mo CD
|
1.10% | $10,000 | Compare |
|
60 Mo CD
|
1.10% | $100,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.14% | $2,500 | Compare |
|
Money Market
|
0.14% | $10,000 | Compare |
|
Money Market
|
0.19% | $25,000 | Compare |
|
7.490 %
|
$0 |
| HELOC approval in 5 minutes, funding in 5 days. Borrow up to $400k online. | $0 |
Renovation Finance LLC DBA Renofi NMLS ID: 1802847 / Updated 2024-04-20 |
Renovation-specific home equity loans based on the AFTER renovation value | $0 |
AmeriSave Mortgage Corporation NMLS ID: 1168 / Updated 2024-04-20 |
Home Equity Lines, Refinance, & Second Mortgages | $0 |
Rocket Mortgage NMLS ID: 3030 |
7.576% |
$2,238
Fees & Points
$2,400 Total
0.750 Pts ($2,400) $0 Fees |
Neighbors Bank NMLS ID: 491986 |
Fees & Points
Total
Pts ($0) $0 Fees |
MortgageResearch.com NMLS ID: Not a Lender |
Fees & Points
Total
Pts ($0) $0 Fees |
FHAloans.com NMLS ID: Not a Lender |
Fees & Points
Total
Pts ($0) $0 Fees |
| FDIC Insured | Yes |
| FDIC Certificate | # 58143 |
| Date Established | 2005 |
| Assets | $ 230.65 million |
| Loans | $ 178.72 million |
| Deposits | $ 202.48 million |
| Capital | $ 18.53 million |
| ASSETS | |
| Cash & Balances due from depository institutions | $ 18.87 million |
| Interest-bearing balances | $ 4.00 million |
| Total securities | $ 17.37 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 178.72 million |
| Loan loss allowance | $ 2.19 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | N.A. |
| All other assets | $ 6.50 million |
| Total Assets | $ 209.23 million |
| LIABILITIES | |
| Total deposits | $ 202.48 million |
| Interest-bearing deposits | $ 175.99 million |
| Deposits held in domestic offices | $ 202.48 million |
| % insured (estimated) | 81.43% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 5.00 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 1.75 millionn |
| Total Liabilities | $ 209.23 million |
| Shareholders’ Equity | $ 21.42 million |
| INCOME AND EXPENSES | |
| Total Interest Income | $ 3.01 million |
| Total Interest Expense | $ 0.62 million |
| Net interest income | $ 2.39 million |
| Provision for loan and lease losses | N.A. |
| Total non interest income | $ 0.26 million |
| Total non interest expense | $ 4.89 million |
| Pre-tax Net Operating Income | N.A. |
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