The Southern Banc Co., Inc. operates as a bank holding company. Through Southern Bank Co., it provides various banking products and services. Its personal banking products include checking accounts, savings accounts, safe deposit boxes, personal loans, auto loans, equity lines, construction loans and Internet banking and debit card services. The bank offers services under the following categories: Commercial Financing, Personal Banking, Business Banking and Mortgage Lending services. It also offers mortgage lending activities and accounts receivables factoring to commercial businesses. The company was founded in May 1995 and is headquartered in Gadsden, AL.