Southern BancShares (N.C.), Inc., operating through Southern Bank and Trust Company, is a U.S.-based regional banking group providing a wide range of personal, business, and lending services.
With deep roots in the Southeast, the bank focuses on relationship-driven banking combined with modern financial tools.
Open your Southern Bank account today
Headquarters: Mount Olive, North Carolina, USA
Branch Network: 55+ branches across North Carolina and Virginia
About Southern BancShares
Southern BancShares traces its origins back to 1901, making it a long-standing financial institution with over a century of banking experience.
It operates as the holding company for Southern Bank and Trust Company, serving individuals, businesses, and communities across the Southeastern United States.
The bank has grown through mergers and expansions, building a strong regional presence and diversified financial services portfolio.
🔹 Core Services & Products
- Personal checking and savings accounts
- Business and commercial banking
- Mortgage and real estate loans
- Agricultural and construction lending
- Consumer loans and credit services
- Certificates of deposit (CDs) and IRAs
- Online and mobile banking
Regulation & Trust
Southern BancShares operates under strict U.S. banking regulations:
- Member of the Federal Deposit Insurance Corporation (FDIC)
- Deposits insured up to FDIC limits
- Regulated by U.S. banking authorities
- Established regional banking institution
Customer Base: Serves thousands of individuals and businesses across North Carolina and Virginia, with a strong focus on community banking.
Why Choose Southern Bank? (USP Section)
Security & Stability
- FDIC-insured deposits
- Over 100 years of banking history
- Strong regional financial presence
Community-Focused Banking
- Local decision-making and relationships
- Deep understanding of regional economies
- Personalized customer service
Comprehensive Financial Services
- Personal and business banking
- Lending and mortgage solutions
- Agricultural and commercial financing
Flexible Banking Solutions
- Competitive deposit products
- Tailored loan offerings
- Business-friendly financial services
Digital Banking Experience
- Secure online banking platform
- Mobile banking apps
- Digital payments and account management
Customer Support
- Local branch support
- Phone and online assistance
- Relationship-based service approach
Customer Reviews & Trust Signals
Southern BancShares is recognized for its strong community presence and reliability:
- Positive reputation in the Southeast U.S.
- Trusted by small businesses and local communities
- Long-standing financial institution
- Strong focus on customer relationships
Trust Indicators
- FDIC-insured bank
- Established in 1901
- 50+ branch network
- Regional community banking leader
Need Help?
Need assistance?
Visit Southern Bank’s support center
Contact your nearest branch
Speak with a banking representative
U.S. customers benefit from secure banking services, regulatory protection, and localized financial support.
Frequently Asked Questions (FAQ)
Is Southern BancShares safe?
Yes. It is FDIC-insured and regulated by U.S. banking authorities.
What services does it offer?
Personal banking, business banking, loans, mortgages, and agricultural financing.
Where does it operate?
Primarily in North Carolina and Virginia.
Does it offer online banking?
Yes, with full mobile and digital banking services.
Is it good for businesses?
Yes, especially for small and regional businesses.
Start Banking Today
Experience trusted, community-focused banking backed by over a century of service.
Open your Southern Bank account today
Join customers across the Southeast building their financial future