Southern Bank of Tennessee

man and woman smiling in bank lobby
Your community bank

With us, it’s personal.


Checking Accounts

Unexpected perks you’ll love.


Home Loans

Mortgage lending that makes you feel right at home.



Your Family, Your Future, Your Bank


You Can Count On Us.


You can depend on us to listen and help you find the best solutions to manage your money day-to-day and plan for tomorrow.

True community banking

To us, it’s more than banking.


We believe in serving the needs of local families, businesses, and the community because we live and work here too. We’ve been helping people like you for decades.

Home equity Line of credit

Take advantage of a 5.25% introductory annual percentage rate (APR) for 6 months and up to $750 towards closing costs

If the equity in your home has increased, it might be a good time to consider a Home Equity Line of Credit to work toward your goals. 

Common uses for a HELOC:

    • Home Improvement Projects
    • Travel 
    • Consolidating Debt
    • Caring for Loved Ones
Offer subject to credit approval. Click here for offer details.
 

Step UP CD

Your Chance to Step-Up to an Even Better Rate

With our step-up CD, you have the opportunity to lock in an excellent rate today and step-up to a better rate once within maturity if it becomes available.

  • 12-month 1% APY
  • 18-month 1.25% APY
  • Earn the higher rate until the end of your term
  • No change fee or penalty for stepping up your rate 
Click here for more details
man and woman smiling in lobby
Mortgage Team

A mortgage team you can trust

  • Local team with over 70 years of experience in lending
  • Focused on excellent customer service and clear communication
  • Fast approvals and on-site underwriting for a smooth experience
Community Updates

News and insights from Southern Bank


We began as a single location serving the Mt. Juliet, TN community since 2012. Since then, we have added 3 additional locations in Smyrna TN, Clinton, TN, and Lebanon, TN. We’ve been building relationships with each of these communities, growing as they grow, doing what we can to help them along the way.

Community Updates

Meet our newly appointed Chief Executive Officer, Samuel Short, and Chief Credit Officer, Justin Cary.

Meet Our Leaders

With our mobile app and ATM usage plan, you can access your account when and where you need it.

Explore Mobile Banking

Our award-winning mortgage team is well-suited to handle your home purchase or refinance. Apply online now or call for a premier mortgage experience.

Meet Our Team