Bank Comparison
Southern Bank vs Bank of Missouri, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 7
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Southern Bank | Bank of Missouri, the |
|---|---|---|
| CET1 Ratio | 12.03% | 10.90% |
| Tier 1 Capital Ratio | 12.03% | 10.90% |
| Total Capital Ratio | 13.23% | 11.49% |
| Tier 1 Leverage Ratio | 10.38% | 10.53% |
| Equity / Assets | 10.44% | 11.59% |
Profitability
| Metric | Southern Bank | Bank of Missouri, the |
|---|---|---|
| Return on Assets (ROA) | 1.44% | 0.94% |
| Return on Equity (ROE) | 13.80% | 8.61% |
| Net Interest Margin (NIM) | 3.60% | 3.43% |
| Yield on Earning Assets | 5.87% | 5.52% |
| Cost of Funds | 2.46% | 2.33% |
Asset quality
| Metric | Southern Bank | Bank of Missouri, the |
|---|---|---|
| Texas Ratio | 7.14% | 3.33% |
| Non-Performing Loan Ratio | 0.90% | 0.41% |
| Non-Performing Asset Ratio | 0.80% | 0.31% |
| Net Charge-Off Ratio | 0.04% | 0.00% |
| ACL / Loans | 1.29% | 1.07% |
Balance sheet
| Metric | Southern Bank | Bank of Missouri, the |
|---|---|---|
| Total Assets | $5,090M | $4,236M |
| Total Deposits | $4,355M | $3,613M |
| Total Loans | $4,323M | $3,162M |
| Total Equity | $531,559K | $491,150K |
| Net Income (quarter) | $18,258K | $9,022K |
Liquidity & funding
| Metric | Southern Bank | Bank of Missouri, the |
|---|---|---|
| Loan-to-Deposit Ratio | 99.26% | 87.52% |
| Core Deposit Ratio | 91.58% | 91.50% |
| Uninsured Deposit Ratio | 19.19% | 26.44% |
Identity
| Metric | Southern Bank | Bank of Missouri, the |
|---|---|---|
| Headquarters City | POPLAR BLUFF | PERRYVILLE |
| Headquarters State | MO | MO |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 70 | 31 |
| Employees (FTE) | 721 | 569 |
| Established | Jan. 1, 1887, midnight | Nov. 7, 1891, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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