Applications / Mortgage Analytics / Lenders / North Carolina / Southern Bank and Trust Company / Competition
Southern Bank and Trust Company
Mount Olive, NC · State non-member bank · FDIC · $5.2 billion assets · 1,557 loans in 2025
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1,557
loans originated, 2025
1,930
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Who Southern Bank and Trust Company competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — NON-METRO NORTH CAROLINA, 2025
Southern Bank and Trust Company ranks 14th of 762 lenders in non-metro North Carolina, with $190.0M lent: 1.5% of a $12.96B market.
non-metro North Carolina is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Southern Bank and Trust Company in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 37% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — VIRGINIA BEACH-CHESAPEAKE-NORFOLK, NC-VA, 2025
Southern Bank and Trust Company ranks 54th of 577 lenders in Virginia Beach-Chesapeake-Norfolk, NC-VA, with $64.3M lent: 0.4% of a $15.33B market.
Virginia Beach-Chesapeake-Norfolk, NC-VA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Southern Bank and Trust Company in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — GREENVILLE, NC, 2025
Southern Bank and Trust Company ranks 4th of 264 lenders in Greenville, NC, with $53.8M lent: 6.0% of a $900.4M market.
Greenville, NC is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Southern Bank and Trust Company in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 52% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — WILMINGTON, NC, 2025
Southern Bank and Trust Company ranks 33rd of 538 lenders in Wilmington, NC, with $45.3M lent: 0.7% of a $6.21B market.
Wilmington, NC is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Southern Bank and Trust Company in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — ROCKY MOUNT, NC, 2025
Southern Bank and Trust Company ranks 4th of 248 lenders in Rocky Mount, NC, with $28.4M lent: 4.7% of a $600.9M market.
Rocky Mount, NC is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Southern Bank and Trust Company in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — NON-METRO HAWAII, 2025
Southern Bank and Trust Company ranks 146th of 199 lenders in non-metro Hawaii, with $975K lent: 0.0% of a $2.45B market.
non-metro Hawaii is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Southern Bank and Trust Company in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — LEXINGTON PARK, MD, 2025
Southern Bank and Trust Company ranks 265th of 291 lenders in Lexington Park, MD, with $195K lent: 0.0% of a $1.83B market.
Lexington Park, MD is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Southern Bank and Trust Company in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 48% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — HARRISONBURG, VA, 2025
Southern Bank and Trust Company ranks 161st of 202 lenders in Harrisonburg, VA, with $265K lent: 0.0% of a $1.19B market.
Harrisonburg, VA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Southern Bank and Trust Company in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 70% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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Southern Bank and Trust Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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