BlastPoint's Banking Scorecard

Southern Bank and Trust Company

$1B-$10B Specialty: Commercial NC FDIC cert 15359

Mount Olive, NC

57 branches across NC · VA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 9 in NC.
Deposits +7.8% year over year ($4.8B on the books).
Delinquency rate 0.12%.
Return on assets 1.40%.
Efficiency ratio 52.63% vs a 59.73% peer average.
Loan-to-deposit ratio 73.87% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 9 in NC

View $1B-$10B leaderboard (NC) →

Southern Bank and Trust Company has 2 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 36.6% in tier
+ Efficiency Ratio 7.10% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.17% below tier average

Get updates when Southern Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Total Assets ?	$5.3B +7.3% YoY +1.0% QoQ	+$2.5B	$2.8B -0.6% YoY	$92.1B +0.4% YoY	$6.3B +7.7% YoY	Top 13.3% in tier
Total Loans ?	$3.6B +8.4% YoY +3.7% QoQ	+$1.6B	$2.0B -0.3% YoY	$45.3B +5.8% YoY	$3.2B +9.4% YoY	Top 14.0% in tier
Total Deposits ?	$4.8B +7.8% YoY +1.2% QoQ	+$2.5B	$2.3B -0.5% YoY	$72.9B +1.1% YoY	$4.9B +7.3% YoY	Top 11.2% in tier
Return on Assets ?	1.40% +47.9% YoY +57.1% QoQ	+0.01%	1.39% +17.0% YoY	1.06% +26.4% YoY	1.30% +12.1% YoY	62%
Net Interest Margin ?	3.70% +16.8% YoY +1.0% QoQ	-0.17%	3.87% +6.2% YoY	3.48% +5.1% YoY	3.95% +4.9% YoY	50%
Efficiency Ratio ?	52.63% -12.4% YoY -1.1% QoQ	-7.10%	59.73% -12.6% YoY	69.25% -8.2% YoY	70.05% +2.5% YoY	70%
Delinquency Rate ?	0.12% -16.9% YoY -1.6% QoQ	-0.75%	0.87% +11.7% YoY	0.62% +17.0% YoY	0.98% +16.3% YoY	Top 14.3% in tier
Loan-to-Deposit Ratio ?	73.87% +0.6% YoY +2.5% QoQ	-11.17%	85.04% -0.1% YoY	80.66% +1.6% YoY	79.03% +2.3% YoY	78%
Non-Interest-Bearing Deposit Share ?	31.13% -0.7% YoY -4.0% QoQ	+9.86%	21.27% -1.5% YoY	18.90% +1.9% YoY	21.98% -0.6% YoY	Top 13.4% in tier
Nonperforming Asset Ratio ?	0.09% -3.9% YoY +15.6% QoQ	-0.58%	0.67% +11.7% YoY	0.44% +14.6% YoY	0.69% +15.8% YoY	Top 14.4% in tier
Tier 1 Capital Ratio ?	12.68% -4.5% YoY -3.4% QoQ	-2.16%	14.84% -0.4% YoY	20.01% +3.4% YoY	17.09% +0.8% YoY	44%
Non-Interest Income / Assets ?	0.31% +6.8% YoY +106.3% QoQ	-0.22%	0.53% +2.5% YoY	0.43% +2.6% YoY	0.66% +5.2% YoY	54%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Noninterest-Bearing	31.1% -0.2pp YoY -1.3pp QoQ	+9.8pp	21.4%	21.8%	22.2%	86%
Brokered Deposits	n/a	n/a	9.5%	7.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
C&I	7.3% +0.1pp YoY +0.1pp QoQ	-6.7pp	14.0%	10.5%	12.5%	29%
CRE	51.0% +0.8pp YoY -0.1pp QoQ	+1.0pp	50.0%	46.3%	41.4%	54%
1-4 Family	36.1% -0.2pp YoY 0.0pp QoQ	+9.7pp	26.4%	44.2%	31.3%	77%
Consumer	0.8% +0.1pp YoY 0.0pp QoQ	-3.9pp	4.7%	1.6%	5.0%	40%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
CET1 Ratio	12.7% -0.6pp YoY -0.4pp QoQ	-2.9pp	15.6%	22.8%	19.7%	36%
Leverage Ratio	9.6% -0.3pp YoY -0.1pp QoQ	-1.7pp	11.3%	14.4%	12.6%	26%
Total Capital Ratio	13.6% -0.6pp YoY -0.4pp QoQ	-3.1pp	16.7%	23.8%	20.8%	32%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Full-Time Employees	603 +24 (+4.1%) YoY +8 (+1.3%) QoQ	+289	313	5,103	482	89%
Assets per Employee ($)	$8.8M +3.0% YoY -0.3% QoQ	-$1.7M	$10.5M	$9.4M	$8.8M	52%
Branch Count	56 0 YoY 0 QoQ	+36	20	170	18	95%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.1%	0.4%	n/a
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.7pp	0.8%	0.7%	1.0%	14%
Allowance Coverage	8.72x +21.5% YoY +1.1% QoQ	-9.99x	18.71x	3.36x	20.23x	86%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	23%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
ROE	17.1% +4.2pp YoY +6.2pp QoQ	+4.5pp	12.6%	8.7%	11.6%	83%
Cost of Funds (YTD)	1.0% -0.3pp YoY 0.0pp QoQ	-0.9pp	1.9%	1.8%	1.7%	6%
Net Income ($, YTD)	$36.8M +56.6% YoY — QoQ	+$17.6M	$19.2M	$518.0M	$40.4M	87%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#82 of 221 • Top 36.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.12%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (7 metrics)

100

Total Deposits

size

Value: $4.83B

Peer Median: $2.32B

#100 of 885 Top 11.2% in $1B-$10B

119

Total Assets

size

Value: $5.30B

Peer Median: $2.79B

#119 of 885 Top 13.3% in $1B-$10B

120

Non-Interest-Bearing Deposit Share

funding

Value: 31.13%

Peer Median: 21.27%

#120 of 885 Top 13.4% in $1B-$10B

125

Total Loans

size

Value: $3.57B

Peer Median: $1.96B

#125 of 885 Top 14.0% in $1B-$10B

127

Delinquency Rate

credit_quality

Value: 0.12%

Peer Median: 0.87%

#127 of 882 Top 14.3% in $1B-$10B

128

Nonperforming Asset Ratio

credit_quality

Value: 0.09%

Peer Median: 0.67%

#128 of 885 Top 14.4% in $1B-$10B

192

Loan-to-Deposit Ratio

liquidity

Value: 73.87%

Peer Median: 85.04%

#192 of 885 Top 21.6% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available