Southern Bancorp Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Southern Bancorp Bank of Arkadelphia, AR against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.95% | 1.46% | -0.51% | 26th below |
| ROAE | 7.65% | 12.72% | -5.07% | 19th bottom |
| Net Interest Margin | 3.60% | 3.85% | -0.25% | 42nd below |
| Efficiency Ratio | 66.42% | 57.40% | +9.02% | 27th below |
| PPNR / Avg Assets | 1.19% | 1.88% | -0.69% | 23rd bottom |
| Yield on Earning Assets | 5.38% | 5.72% | -0.34% | 40th below |
| Cost of Funds | 1.93% | 2.02% | -0.09% | 56th above |
| Net Interest Spread | 2.93% | 3.18% | -0.25% | 40th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.50% | 1.00% | +1.50% | 8th bottom |
| NPA / Total Assets | 1.77% | 0.76% | +1.01% | 8th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.11% | 0.43% | -0.32% | 27th below |
| ACL / Total Loans | 1.05% | 1.31% | -0.26% | 37th below |
| ACL / NPLs (Coverage) | 42.10% | 543.95% | -501.85% | 6th bottom |
| Texas Ratio | 15.72% | 7.38% | +8.34% | 11th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 164.68% | 619.23% | -454.55% | 51st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.85% | 11.44% | +0.41% | 75th top |
| Equity / Assets | 12.46% | 11.33% | +1.13% | 80th top |
| TCE / Tangible Assets | 10.75% | 10.50% | +0.25% | 68th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.70% | 86.96% | -2.26% | 59th above |
| Core Deposit Ratio | 88.63% | 85.55% | +3.08% | 51st above |
| Uninsured Deposit Ratio | 39.23% | 33.12% | +6.11% | 29th below |
| Wholesale Funding Ratio | 9.33% | 5.70% | +3.63% | 18th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 9.06% | 9.68% | -0.62% | 72nd above |
| Loan Growth (Y/Y) | 8.98% | 8.05% | +0.93% | 70th above |
| Deposit Growth (Y/Y) | 10.00% | 7.87% | +2.13% | 75th top |
See Southern Bancorp Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Southern Bancorp Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Southern Bancorp Bank profile, how to read a UBPR, or how this data updates.