BlastPoint's Banking Scorecard

Southern Bank and Trust Company

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

Mount Olive, NC

56 branches across NC · VA

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

Southern Bank and Trust Company has 2 strengths but faces 2 concerns

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 46.8% in tier
+ Efficiency Ratio 7.83% below tier average

Key Concerns

Areas that may need attention

- ROA 0.47% below tier average
- Net Interest Margin 0.15% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Total Assets ?	$5.3B +6.9% YoY +1.0% QoQ	+$2.4B	$2.8B -0.1% YoY	$92.4B +2.4% YoY	$6.2B +9.1% YoY	Top 13.9% in tier
Total Loans ?	$3.4B +7.6% YoY +1.4% QoQ	+$1.5B	$2.0B +0.6% YoY	$45.0B +8.2% YoY	$3.2B +10.8% YoY	85%
Total Deposits ?	$4.8B +6.7% YoY +1.7% QoQ	+$2.4B	$2.3B -0.3% YoY	$72.8B +2.6% YoY	$4.8B +8.2% YoY	Top 12.0% in tier
Return on Assets ?	0.89% +91.2% YoY -24.8% QoQ	-0.47%	1.37% +19.6% YoY	0.99% +29.5% YoY	1.23% +13.4% YoY	26%
Net Interest Margin ?	3.67% +20.8% YoY +10.3% QoQ	-0.15%	3.82% +6.9% YoY	3.42% +5.0% YoY	3.89% +5.7% YoY	52%
Efficiency Ratio ?	53.23% -14.1% YoY -5.9% QoQ	-7.83%	61.06% -4.6% YoY	69.88% -8.6% YoY	66.95% -4.1% YoY	69%
Delinquency Rate ?	0.12% -28.5% YoY -5.0% QoQ	-0.77%	0.89% +14.1% YoY	0.64% +21.6% YoY	0.95% +18.8% YoY	Top 13.6% in tier
Loan-to-Deposit Ratio ?	72.08% +0.8% YoY -0.2% QoQ	-12.12%	84.20% +0.3% YoY	79.67% +1.0% YoY	76.70% +0.9% YoY	80%
Non-Interest-Bearing Deposit Share ?	32.43% +4.6% YoY +2.9% QoQ	+11.14%	21.29% -2.5% YoY	18.50% +0.3% YoY	22.01% -1.2% YoY	Top 12.0% in tier
Nonperforming Asset Ratio ?	0.08% -28.0% YoY -4.6% QoQ	-0.59%	0.67% +15.6% YoY	0.45% +20.5% YoY	0.67% +19.3% YoY	Top 11.4% in tier
Tier 1 Capital Ratio ?	13.12% -0.8% YoY +1.5% QoQ	-2.04%	15.16% +2.0% YoY	20.13% +3.0% YoY	17.06% +0.8% YoY	50%
Non-Interest Income / Assets ?	0.15% +5.2% YoY -73.8% QoQ	-0.11%	0.26% +1.6% YoY	0.21% +7.3% YoY	0.32% +4.1% YoY	53%

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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

#104 of 220 • Top 46.8% 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: 0.89%, National: 0.95%)

better than tier avg

220 of 220 Mid-Market banks match · 922 nationally

→ Stable +2 banks QoQ

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 884 peers in $1B-$10B

Top Strengths (7 metrics)

102

Nonperforming Asset Ratio

credit_quality

Value: 0.08%

Peer Median: 0.67%

#102 of 884 Top 11.4% in $1B-$10B

107

Total Deposits

size

Value: $4.77B

Peer Median: $2.34B

#107 of 884 Top 12.0% in $1B-$10B

107

Non-Interest-Bearing Deposit Share

funding

Value: 32.43%

Peer Median: 21.29%

#107 of 884 Top 12.0% in $1B-$10B

121

Delinquency Rate

credit_quality

Value: 0.12%

Peer Median: 0.89%

#121 of 880 Top 13.6% in $1B-$10B

124

Total Assets

size

Value: $5.25B

Peer Median: $2.82B

#124 of 884 Top 13.9% in $1B-$10B

134

Total Loans

size

Value: $3.44B

Peer Median: $1.96B

#134 of 884 Top 15.0% in $1B-$10B

181

Loan-to-Deposit Ratio

liquidity

Value: 72.08%

Peer Median: 84.20%

#181 of 884 Top 20.4% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available