Call reports 2026
SOUTHERN BANK OF TENNESSEE — 2026
What SOUTHERN BANK OF TENNESSEE reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 490,091,000 | 533,381,000 |
| Total loans | 381,590,000 | 394,345,000 |
| Allowance for loan losses | 3,370,000 | 3,475,000 |
| Securities available for sale | 54,745,000 | 74,877,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 427,474,000 | 469,352,000 |
| Interest-bearing deposits | 377,187,000 | 416,409,000 |
| Noninterest-bearing deposits | 50,287,000 | 52,943,000 |
| Equity capital | 48,115,000 | 48,673,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 7,428,000 | 15,378,000 |
| Interest expense | 2,793,000 | 5,910,000 |
| Net interest income | 4,635,000 | 9,468,000 |
| Noninterest income | 355,000 | 760,000 |
| Noninterest expense | 3,551,000 | 7,191,000 |
| Provision for loan losses | 141,000 | 504,000 |
| Pretax income | 1,219,000 | 2,487,000 |
| Income tax | -958,000 | -689,000 |
| Net income | 2,177,000 | 3,176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 45,441,000 | 46,086,000 |
| Total capital | 49,144,000 | — |
| Risk-weighted assets | 383,675,000 | — |