# SOUTHERN BANK OF TENNESSEE
MOUNT JULIET, TN · FDIC certificate 34847 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $533.4M | |
| Deposits | $469.4M | |
| Loans and leases | $394.3M | |
| Total equity | $48.7M | |
| Loans / deposits | 83.28% (p53 of band) | 82.04% |
| Liquid assets / assets | 21.26% (p36 of band) | |
| Uninsured deposits / deposits | 36.99% (p83 of band) | 25.97% |
| Brokered deposits | 4.03% | |
| Wholesale funding | 5.91% (p62 of band) | |
| FHLB advances / assets | 1.87% | |
| Tier 1 leverage | 9.01% (p13 of band) | 10.81% |
| Unrealized securities loss / equity | -1.76% (p81 of band) | -8.10% |
| AOCI / equity | -0.07% (p68 of band) | |
| ROA (annualized) | 1.27% (p50 of band) | 1.28% |
| Net interest margin | 4.00% (p55 of band) | 3.91% |
| Efficiency ratio | 70.31% (p74 of band) | |
| Noncurrent loans | 0.05% (p18 of band) | 0.43% |
| Net charge-offs (annualized) | 0.21% (p92 of band) | |
| Reserve coverage of noncurrent | 1898.91% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 100.23% (p87 of band) | |
| Auto loans | $360,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 13.5% | |
| Employees | 73 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2012-12 | 4 | reserve under noncurrent |  |
| 2013-03 | 5 | capital falling |  |
| 2013-06 | 4 |  | NIM <2.5% |
| 2013-09 | 4 |  |  |
| 2013-12 | 3 |  | reserve under noncurrent |
| 2014-03 | 3 |  |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 0 |  | losing money, expense ratio p90, capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 1 | construction >100% equity |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 1 |  | construction >100% equity |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 4 | construction >100% equity, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-12 | 2 | capital falling |  |
| 2024-03 | 3 | expense ratio p90 |  |
| 2024-06 | 2 |  | construction >100% equity |
| 2024-09 | 2 | construction >100% equity | expense ratio p90 |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | construction >100% equity |
| 2026-03 | 1 | charge-offs p90 |  |
| 2026-06 | 2 | construction >100% equity |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-04 [Southern Bank of Tennessee hits new milestone, gears up for future growth - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxPWDg4cDluYUNIRDdUV3lpYVo3OXVpSnlPX2xrNnc4TWQ1UWhXQmxXSWpLWmwyd2Zsa1kwcnFKZzFDUVc2NEhqUWtaMHlGeXhtU25lSk4yOUdaTURYSFd1b2QtRUxpWEtfNGZUNTZYY01SU0dxa0NGcml1VnRNa2FPZElwd3M2TlRNYnV3cXZlVGJxSE9vb3NvNXV6WG5aWGp3dFBLSHd0UEJaMV9CYUE?oc=5) · The Business Journals
- 2026-07-27 [Southern Bank brings community-focused services to Brentwood - Williamson Herald](https://news.google.com/rss/articles/CBMi8wFBVV95cUxQaDVwXzJaN2hJUE1BRDc5ZDl2TTBCVXV0bC1ZUXFpTWp1c2txVW1xcHgzRzNob3hudTVoNk4tZ2xzd0Y3MVNLcVUyVHAwLWs3dGpJMHRSa0NZWWo4M1NqWF9TOWZlZEZlbEJPbHpVZS1JRHFpVFZnRmZBQXVZdjZqV1A5d2VJaWdFa2U2VDNmbktWb3dkV0xWc2tQZWxENUVFYk1jazlkbnVGNU1xelV2MGk1dFVPQTJjRDJRb1ZXTVdZMmhxejFoYnQ2X2owZmJva3Q0U0ozQWRkMVQ5bEZ2QjRUS0d3WDFYT2tCMFg2ZVNhdHc?oc=5) · Williamson Herald
- 2020-03-13 [Crowell, Bracewell join Southern Bank of Tennessee - Main Street Media of Tennessee](https://news.google.com/rss/articles/CBMipgFBVV95cUxPNk43TXA3cU90X1lWbVpObjhtOW9SX1pjVW1xTXA5ZlNXYzVVS3pyRmVqUF9zSWVkNXpydkFuWndjMjB3N0ZhWEFORDAzLVY1ck56MUxabVEtajViZUkxT0pfZkpzVnRMdW1QS0VfV2Nfa3FOb0lzUTNDQ0REcDE3RDRqbEtIOF8xNGdmcXFrNE5TS1FQdFdpZkJXb2pEb0ZVTFltVWVR?oc=5) · Main Street Media of Tennessee
- 2024-08-28 [Pinnacle Expands Mount Juliet Office with Addition of Financial Advisor - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMirAFBVV95cUxQU0FiSHpEWl9ZT1h5UGR3TFk4cGlMWGcwUUowc1dqd1RROGFuTUFrUW1KaFV1ZHljYnVhdjdBUGF3bnBtVFhUYW1GZUNQaV9FUm9zS1Q1RnFRN0h0d0h6OV9GeWJpR3pOc3hkM2hWUjRncExEM1E0WHpXQ1owemhkcXBsRHhrQlc2WVAwcUttNkc5ckFTLUc0UkkyRFBsRVYwa2VfRV83QTF6cUM1?oc=5) · Pinnacle Financial Partners
- 2025-04-10 [America's Best Regional Banks and Credit Unions 2025 - Tennessee - Newsweek Rankings](https://news.google.com/rss/articles/CBMikAFBVV95cUxPU3h5RW1VTUtjSG1vSmRwSGo1RXZjdlFpa3F6NjhOU2EtRW9HR1ZndlZwTE94dlJBQ19rekotdVlCXzYtUUk2TWx4clNNUEhwXzZpckQ4bE5XNlRFOENBUklEXzctam1yY2hJc2otQk5NdWpVeWxKSHk1VnlsU0FiVnAyTmU3d1dfUzAxOGVQd1M?oc=5) · Newsweek Rankings
- 2023-04-10 [Southern Bank of Tennessee celebrates new office in Brentwood - Williamson Herald](https://news.google.com/rss/articles/CBMi9AFBVV95cUxQREJ2SWVBZjIwZC1ZbW1QSGhUSkRrQ3FzLVFDVk1LcWpLbHdWM1YzaVpraGNIZFVtRGUxQ3V3YnRFWHFNQjhXNTk0TFBNbF9nU09VQWZpNlFERER6aGw4ZlNGbFdNZFNFM2t0UF8zT2NWcV9sLWdrLVJzV2FfZnZzQTQzNFlsQVhFb0N0RHlpZGd2TUFFY3Q1N2Nod0QtUWZrU2VYYTlmcVhEdTgtNkxmVGE0QjRtaXhKZkF0NHk0TUJJWWxRYlF3MzZkWGI5UWd2YU4wcFJGQXNOdVhSbmRnV1BQOEM3dUhJOGQwM2t1akFwT29D?oc=5) · Williamson Herald
- 2023-11-13 [Bank names new CFO/COO - Main Street Media of Tennessee](https://news.google.com/rss/articles/CBMie0FVX3lxTFBRRXFqVzgyZm1qbkM3QmxubklNWW9WVlFjLURyN0VsWklhUU50QzNGWWJjT1JiNnJWaTlDamV1REVicFEzQmpSUEhFOXR1LTVaX2JMRmVuYVREb2VSZ0o0TkxOUHd6TVpzU2hvNE1VRG5JWDR2czVMVmpCTQ?oc=5) · Main Street Media of Tennessee
- 2020-12-15 [Southern Bank names Ellis vice president - Lebanon Democrat](https://news.google.com/rss/articles/CBMi0AFBVV95cUxQWEQzRFpBUDlYX0RadGtBejUzZGdVTlh0WnlYYmlvTkpQYkRib2hKMXhFemhWNTdrR0tSd0JhN2FDQzNCUEhQNGJRZ2thVVZGOWlkZjRfd3owUGppZ3J5SlpvVC1uWkJWbVBRZ1VTdk1OVUJrOFBjQ3I3a041WlVlMkY0Ui0tWFdVbkFEeU10WllESXQtN21kUkxlcVpkRlRQQUFmTGszYXpfbFZ0V1JGUHBsRjdWWk53TXFkZWc2eUppQzhvQVE2cDhsTi1DNHNL?oc=5) · Lebanon Democrat

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34847 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/31.json (key "34847", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide