Southern Bancorp Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 2.71 percentage points higher than in Q1 2026, at 42.10%. Southern Bancorp Bank ranks 64th of 78 Arkansas banks on return on assets, in the lower half at 0.95% (Q2 2026). Southern Bancorp Bank reported 0.95% on return on assets for Q2 2026, 0.33 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.85% |
| Equity capital to assets | 12.46% |
| Tangible equity to tangible assets | 10.75% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.50% |
| Non-performing assets ratio | 1.77% |
| Net charge-off ratio | 0.11% |
| Texas ratio | 15.72% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | 42.10% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.95% |
| Return on equity | 7.65% |
| Net interest margin | 3.60% |
| Efficiency ratio | 66.42% |
| Yield on earning assets | 5.38% |
| Cost of funds | 1.93% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.70% |
| Core deposits to total deposits | 88.63% |
| Brokered deposits to total deposits | 4.97% |
| Deposits to assets | 77.55% |
| Securities to assets | 18.63% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.73% | 18.73% | 19.98% | 12.62% | 0.84% |
| Q4 2023 | 19.30% | 19.30% | 20.55% | 12.20% | 0.75% |
| Q1 2024 | 19.20% | 19.20% | 20.45% | 12.37% | 0.83% |
| Q2 2024 | 18.41% | 18.41% | 19.66% | 12.53% | 0.74% |
| Q3 2024 | 19.42% | 19.42% | 20.67% | 12.36% | 0.83% |
| Q4 2024 | 18.33% | 18.33% | 19.58% | 12.13% | 0.76% |
| Q1 2025 | 18.96% | 18.96% | 20.21% | 12.40% | 0.73% |
| Q2 2025 | 18.45% | 18.45% | 19.70% | 12.79% | 0.69% |
| Q3 2025 | 18.58% | 18.58% | 19.80% | 13.39% | 0.96% |
| Q4 2025 | — | — | — | 12.77% | 0.85% |
| Q1 2026 | — | — | — | 12.28% | 0.81% |
| Q2 2026 | — | — | — | 11.85% | 0.95% |
Southern Bancorp Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Southern Bancorp Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Southern Bancorp Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1528) · FFIEC NIC profile (RSSD 852544)