BanksSOUTHERN BANK

SOUTHERN BANK

POPLAR BLUFF, MOLargeEst. Jan. 1, 1887, midnightFDIC #28332RSSD #272272FED
Latest · 2025-12-31

SOUTHERN BANK is an FDIC-insured commercial bank headquartered in POPLAR BLUFF, MO, established in Jan. 1, 1887, midnight. As of 2025-12-31, the bank reported total assets of $5.0B and total deposits of $4.3B. Profitability stands at 1.49% ROA and 14.35% ROE, with a net interest margin of 3.75%. CET1 capital ratio: 12.20%, well above regulatory minimums. NPL ratio: 0.70% · Texas Ratio: 5.36%. Operates 66 domestic branches.

Assets
$5.0B
Deposits
$4.3B
Loans
$4.2B
Equity
$527M

Profitability

Return on Assets (ROA)1.49%
Return on Equity (ROE)14.35%
Net Interest Margin3.75%
Yield on Assets6.26%
Cost of Funds2.63%

Asset Quality

NPL Ratio0.70%
Net Charge-Off Ratio0.22%
Texas Ratio5.36%
NPA Ratio0.62%
ACL / Loans1.29%

Capital & Liquidity

CET1 Ratio12.20%
Tier 1 Capital12.20%
Total Capital Ratio13.38%
Leverage Ratio10.34%
Loan-to-Deposit97.84%

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