$382M
+7.7%y/y
Percentile by value58th percentileby value
FDIC
LNLSGRSB
Southern Bank of Tennessee
Mount Juliet, TennesseeFDIC Cert #34847
STATEEstablished 19995 branches
Holding company: SB FINANCIAL INCRegulator: FED
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $49.3M |
| Investor CRE | $74.1M |
| Multifamily | $5.34M |
| Construction | $43.9M |
| 1–4 family | $170M |
| C&I | $27.8M |
| Agriculture | $2.21M |
| Other | $9.37M |
Loan book
Reported balances and balance-sheet intensity.
$378M
+7.7%y/y
Percentile by value58th percentileby value
FDIC
LNLSNET+7.66%
−70.5%y/y
Percentile by value61st percentileby value
FDIC
LNLSNET88.5%
+2.7%y/y
Percentile by value69th percentileby value
FDIC
LNLSNET + DEP77.2%
+3.1%y/y
Percentile by value77th percentileby value
FDIC
LNLSNET + ASSET100.70%
+1.9%y/y
Percentile by value93rd percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
251%
−10.5%y/y
Percentile by value77th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC89%
−8.8%y/y
Percentile by value87th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,814points
+12.7%y/y
Peer standing23rd percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD12.93%
−10.3%y/y
Percentile by value53rd percentileby value
FDIC
LNRENROW + LNLSGR19.43%
−4.9%y/y
Percentile by value69th percentileby value
FDIC
LNRENROT + LNLSGR7.29%
−9.7%y/y
Percentile by value36th percentileby value
FDIC
LNCI + LNLSGR