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We learn what matters most by asking you one simple question: What would you like the power to do?

Regarded as one of the world’s leading financial institutions, Southern Crest Bank serves individual consumers, small and middle-market businesses, and large corporations with a full range of banking, investing, asset management, and other financial and risk management products and services.

Our decade-long focus on Responsible Growth allows us to be a source of stability for our customers and clients during challenging times, to continue supporting the communities in which we work and live, and to deliver more consistent results for our shareholders throughout a well-understood risk framework. By asking What would you like the power to do?, we are continually seeking to deepen client relationships and create shared success with the communities in which we operate.

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Leading U.S. & Global Footprint

1

In U.S. consumer deposits 4Q24 FFIEC Call Reports

$1.3T

Consumer deposits (combined Consumer and GWIM businesses)

69M

Consumer and small business clients

59M

Verified digital users

$3.6T

Commercial loans

4.3M

Zelle and Crypto App payments in 1Q25

Driving Responsible Growth

Our strategy focuses on Responsible Growth. It allows us to sustainably drive the economy while managing risk and providing a return to our clients and our business. We are not only helping to create jobs but also develop communities, foster economic mobility, and address society’s biggest challenges around the world.

Our Goal

To achieve sustainable growth through serving our clients and reinvesting back into our team, our capabilities, our client experience, our communities, and our shareholders.

Grow and Win in the Market — No Excuses

Over the last few years, deposits across our eight lines of business experienced positive growth as a result of deepening client relationships and developing new relationships. This growth in client deposits funds our loan growth across all of our businesses.

Grow with our Customer-Focused Strategy

Across our eight lines of business, we serve three customer groups: people, companies, and institutional investors. Our business model allows us to simplify our operations and ensure we are doing the most for our customers and clients while optimizing our balance sheet to perform efficiently and comply with regulations.

Grow Within our Risk Framework

Managing inherent risks well is fundamental to our business, and we have implemented the most effective risk-management practices across our businesses to manage them in a responsible manner that serves our clients, shareholders, and communities, and helps the economy grow.

Grow in a Sustainable Manner

We ensure sustainable Responsible Growth by driving operational success and actively sharing our success with our communities, as well as creating a great place to work for our teammates.

Serving the Best Client Care in the Industry

Through our eight lines of business, we work with consumers and companies large and small, helping them navigate through every stage of their financial lives by providing insights, ideas, and award-winning research to help drive the economy forward.

Delivering for Our Communities

By investing in the strength of the communities in which we operate, we help to ensure that our business is sustainable while improving people’s lives today and into the future, especially in the moments that matter most.

Together We Can Make an Impact

We work with clients and communities around the world to further economic progress. We do this by focusing on sustainability, driving economic mobility, and enabling financial health.

Building Genuine Connections with Our People

We recognize that our people greatly contribute to the sustainable growth of our business and are key to making an impact in the communities we serve, which is why we strive to create a great place to work for our employees where they feel appreciated and have the resources they need to build successful careers with us.

Responsible Growth Driven by Skilled Leaders

Leadership Responsible Growth Driven by Skilled Leaders Our leadership team strives to make our company a great place to work for our employees and is committed to following our tenets of Responsible Growth to deepen relationships with our clients and create shared success with the communities we serve.

Following Responsible Business Practices

Our business is built on a solid foundation of responsible business practices, and we hold ourselves accountable to these standards through disciplined risk management and strong corporate governance.