SC lenders / Community Bank
Southern Bank
Community Bank · Spartanburg, SC · Southern Financial Corp
- Total assets
- $400.2M
- CRE loan book
- $162.6M
- QoQ CRE growth
- 6.7%
- Q1 2026
Recorded CRE activity — jefferson County
1 commercial deed of trust recorded recently, verified from county records.
- Jul 6, 2026 · landundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.87% as of Q1 2026 — TX bank median 4.87% (2.01pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.87% | 6.95% |
| Q4 2025 | 7.11% | 7.22% |
| Q3 2025 | 7.25% | 7.36% |
| Q2 2025 | 6.60% | 6.77% |
| Q1 2025 | 6.76% | 6.93% |
| Q4 2024 | 7.03% | 7.06% |
| Q3 2024 | 6.95% | 7.07% |
| Q2 2024 | 6.48% | 6.67% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $162.6M | $39.4M | $2.6M | 303% | $21,000 |
| Q4 2025 | $152.4M | $35.5M | $2.6M | 294% | $103,000 |
| Q3 2025 | $143.8M | $28.2M | $2.7M | 262% | $22,000 |
| Q2 2025 | $137.3M | $28.8M | $2.7M | 253% | $1.4M |
| Q1 2025 | $128.9M | $25.2M | $2.7M | 233% | $24,000 |
| Q4 2024 | $124.0M | $16.6M | $2.7M | 222% | $25,000 |
| Q3 2024 | $128.1M | $16.5M | $2.8M | 231% | $26,000 |
| Q2 2024 | $122.8M | $19.0M | $2.8M | 241% | $26,000 |
Signals
Recent news
- SOUTHERN MISSOURI BANCORP REPORTS PRELIMINARY RESULTS FOR FOURTH QUARTER OF FISCAL 2026; DECLARES QUARTERLY DIVIDEND OF $0.27 PER COMMON SHARE; CONFERENCE CALL SCHEDULED FOR THURSDAY, JULY 23, A - manilatimes.net — Coverage of Southern Bank related to commercial real estate and lending reported by manilatimes.net.Jul 23, 2026
- Great Southern Bancorp Q2 Earnings Call Highlights - MarketBeat — Coverage of Southern Bank related to earnings reported by marketbeat.com.Jul 16, 2026
- Great Southern Bancorp, Inc. Reports Preliminary Second Quarter Earnings of $1.43 Per Diluted Common Share - GlobeNewswire — Coverage of Southern Bank related to earnings reported by globenewswire.com.Jul 15, 2026
- From commercial lending to cash management, Southern Bank offers a full-service banking operation for St. Louis businesses - The Business Journals — Coverage of Southern Bank related to lending reported by bizjournals.com.Jun 9, 2026
- Southern Bank Announces Leadership Changes - wilmingtonbiz.com — Coverage of Southern Bank related to commercial real estate and lending reported by wilmingtonbiz.com.May 18, 2026
Southern Bank: frequently asked questions
- How large is Southern Bank's commercial real estate loan book?
- As of Q1 2026, Southern Bank reported $162.6M in commercial real estate loans out of $400.2M in total assets, per its FFIEC Call Report.
- Is Southern Bank above the 300% CRE concentration guideline?
- Southern Bank's CRE loans stood at 303% of total risk-based capital as of Q1 2026, above the 300% CRE concentration supervisory guideline.
- Is Southern Bank growing or shrinking its CRE lending?
- Southern Bank's CRE loan book grew 6.7% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Southern Bank in recorded CRE lending?
- 1 commercial deed of trust naming Southern Bank as lender has been recorded recently in jefferson County, verified from county records; the most recent was recorded Jul 6, 2026.
Answers generated from the verified data on this page — FFIEC Call Reports, county records, and first-party conversations — as of the dates shown.
Similar lenders
Other community banks we track with a comparable CRE book size.
- BankOrionCommunity Bank · Orion · $163.3M CRE book
- Century Bank and TrustCommunity Bank · Milledgeville · $163.4M CRE book
- Rayne State Bank & Trust CompanyCommunity Bank · Rayne · $163.9M CRE book
- Southwest Capital BankCommunity Bank · Albuquerque · $160.5M CRE book
- Peoples State BankCommunity Bank · Prairie Du Chien · $164.7M CRE book
Last updated Jul 6, 2026 · Sources: FFIEC CDR, county records, first-party conversations.