Southern Bank (Poplar Bluff, MO)
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Data as of · sourced from FFIEC call reports. How we update
Southern Bank is an FDIC-insured commercial bank headquartered in Poplar Bluff, MO, established in 1887 (FDIC certificate 28332), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $5.19B, up 4.4% from Q2 2025, the 9th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 12.12% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 28332
- Headquarters
- Poplar Bluff, MO
- Established
- 1887
- Total assets, Q2 2026
- $5.19B
- Assets vs Q2 2025
- +4.4%
- CET1 ratio, Q2 2026
- 12.12%
- Domestic offices
- 69 FDIC institution directory, current count
- Routing number
- 281573259
- Latest call report
- Q2 2026, FFIEC 051 · Southern Bank call report
- Holding company
- SOUTHERN MISSOURI BANCORP, INC.
- Asset rank in state
- 9th of 191 in Missouri
Southern Bank, based in Poplar Bluff, Missouri, reported $5.2 billion in assets at June 30, 2026, up 4.4% from a year earlier. It holds about a fifth of its deposits (19%) above the FDIC insurance limit, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 30.9%). It also spends about 49 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 58 cents).
Net income for the quarter rose 27% from a year earlier, to $21 million. Over the same year, loans grew 7.1% and deposits grew 2.8%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.9 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Southern Bank reported a CET1 capital ratio of 12.12%, a return on assets of 1.61%, a nonperforming-loan ratio of 0.63% and a Texas ratio of 5.73%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Southern Bank is the 9th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.9% to $5.19B, loans rose 1.6% and deposits rose 1.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 24.7% of total loans, followed by non-owner-occupied commercial real estate loans at 21.0%. The FDIC Summary of Deposits lists 66 offices for it, in 52 cities across 4 states; its Poplar Bluff 4 offices book 14% of its branch deposits. On its Q2 2026 call report, Southern Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2991 Oak Grove Rd, Poplar Bluff, MO 63901
- County
- Butler
- Metro Area
- Poplar Bluff, MO
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1887
- Former names
- Southern Missouri Bank & Trust Co. (1998-2009); Southern Missouri Savings Bank, FSB (1995-1998); Southern Missouri Savings Bank (1991-1995)
- Domestic offices
- 69 FDIC institution directory, current count
- Employees (FTE)
- 729
- Domestic deposits
- $4.42B
- Allowance for credit losses
- $54.9M
- Net charge-offs (YTD)
- $4.7M
- Average total assets
- $5.16B
- Average total loans
- $4.36B
- Average interest-bearing deposits
- $3.80B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28332
- Fed RSSD
- 272272
- SEC CIK
- 916907 → filed by SOUTHERN MISSOURI BANCORP, INC.
- Website
- www.bankwithsouthern.com →
- Parent Holding Company
- SOUTHERN MISSOURI BANCORP, INC. (RSSD 3266227) · SMBC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Greg A Steffens | CEO | CHAIRMAN/CEO |
| Justin Cox | PRES | EVP-REGIONAL PRESIDENT |
| Stefan Chkautovich | CFO | CHIEF FINANCIAL OFFICER |
| Kimberly A Capps | COO | EVP-CHIEF OPERATIONS OFFICER |
| Mark E Hecker | CCO | EVP-CHIEF CREDIT OFFICER |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Southern Bank's total assets moved between a low of $4.42B (Q3 2023) and a high of $5.19B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$5.19B total assets against $4.97B; $4.64B total liabilities against $4.47B.
$4.34B net loans and leases against $4.05B; $4.42B total deposits against $4.30B.
$450.8M securities against $460.8M; $55.5M cash and balances due against $167.9M.
$72.8M total interest income against $70.6M; $28.0M total interest expense against $29.9M.
$44.7M net interest income against $40.7M.
$8.9M total noninterest income against $8.9M; $26.8M total noninterest expense against $27.3M.
$3.2M provision for credit losses against $2.5M.
$20.8M net income against $16.3M.
1.61% return on assets against 1.32%; 3.64% net interest margin against 3.47%.
12.12% CET1 capital ratio against 12.09%; 10.45% tier 1 leverage ratio against 10.05%.
Inside the full Southern Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Southern Bank rankings
Its closest position to the top of a national ranking is 277 of 4,196, for total assets; its furthest is 837 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.14% (Q3 2024) to 1.61% (Q2 2026) and its net interest margin ran from 3.39% (Q4 2024) to 3.64% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.12% | 1.61% | 0.63% | 5.73% | 3.64% |
| Q1 2026 | 12.03% | 1.44% | 0.70% | 5.57% | 3.60% |
| Q4 2025 | 12.20% | 1.48% | 0.70% | 5.51% | 3.60% |
| Q3 2025 | 12.06% | 1.30% | 0.62% | 4.91% | 3.62% |
| Q2 2025 | 12.09% | 1.32% | 0.56% | 4.43% | 3.47% |
| Q1 2025 | 11.97% | 1.32% | 0.55% | 4.56% | 3.41% |
| Q4 2024 | 11.48% | 1.31% | 0.21% | 2.08% | 3.39% |
| Q3 2024 | 11.28% | 1.14% | 0.21% | 2.38% | 3.40% |
Swipe the table sideways to see every column.
Branch Network
View all 66 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Southern Bank (main office) | Poplar Bluff , MO | 63901 | $539.9M |
| Kennett Facility | Kennett , MO | 63857 | $201.4M |
| Nixa - Mt Vernon Facility | Nixa , MO | 65714 | $168.9M |
| Maryville Facility Branch | Maryville , MO | 64468 | $148.5M |
| Chillicothe Facility Branch | Chillicothe , MO | 64601 | $148.4M |
| Marshfield Facility | Marshfield , MO | 65706 | $132.5M |
| Forsyth Facility | Forsyth , MO | 65653 | $129.3M |
| Cape Girardeau - Williams St Facility | Cape Girardeau , MO | 63703 | $122.1M |
| Springfield - S. National Facility Branch | Springfield , MO | 65810 | $105.3M |
| Arnold Facility Branch | Arnold , MO | 63010 | $104.0M |
| Dexter Facility | Dexter , MO | 63841 | $100.4M |
| Jonesboro-Nettleton Facility | Jonesboro , AR | 72401 | $97.8M |
| West Plains Facility | West Plains , MO | 65775 | $92.2M |
| Sikeston Facility | Sikeston , MO | 63801 | $87.1M |
| Jackson Facility | Jackson , MO | 63755 | $85.3M |
| Doniphan Facility | Doniphan , MO | 63935 | $83.9M |
| Kimberling City Facility | Kimberling City , MO | 65686 | $82.9M |
| Oakville Facility Branch | Saint Louis , MO | 63129 | $78.9M |
| Thayer Facility | Thayer , MO | 65791 | $78.2M |
| Paragould Facility | Paragould , AR | 72450 | $77.0M |
| Smithville Facility Branch | Smithville , MO | 64089 | $76.3M |
| Trenton Facility Branch | Trenton , MO | 64683 | $71.3M |
| Cairo Facility Branch | Cairo , IL | 62914 | $67.1M |
| Kansas City Barry Rd Facility Branch | Kansas City , MO | 64153 | $66.2M |
| St. Joseph - Frederick Facility Branch | St. Joseph , MO | 64506 | $61.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 25, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 25, 2023 | Structure Change | Acquired Citizens Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 26, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 26, 2022 | Structure Change | Acquired FortuneBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 23, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 23, 2020 | Structure Change | Acquired Central Federal Savings and Loan Association of Rolla Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 8, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 8, 2018 | Structure Change | Acquired First Commercial Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 24, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 24, 2018 | Structure Change | Acquired Southern Missouri Bank of Marshfield Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 19, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 19, 2017 | Structure Change | Acquired Capaha Bank, SB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 6, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 6, 2014 | Structure Change | Acquired Peoples Bank of the Ozarks Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 22, 2014 | Structure Change | Acquired Citizens State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 21, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 5, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 5, 2013 | Structure Change | Acquired Bank of Thayer Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 18, 2010 | Structure Change | Acquired First Southern Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 17, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| July 20, 2009 | Structure Change | Acquired Southern Bank of Commerce Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 20, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 31, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 22, 1983 | Structure Change | Acquired Kennett Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 1982 | Structure Change | Acquired Pioneer State Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 25 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.4% of deposits in MO, rank 10 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,776 applications, 1,486 loans originated, $290.4M originated, across 13 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 14 loans, $3.3M approved, $232K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Southern Bank
What are Southern Bank's total assets?
As of the Q2 2026 filing, Southern Bank reported total assets of $5.19 billion in its FFIEC call report.
Where is Southern Bank headquartered?
It is headquartered in Poplar Bluff, MO, United States.
When was Southern Bank founded?
It was established in 1887, per the FDIC institution directory.
Is Southern Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #28332). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Southern Bank?
Southern Bank's primary federal regulator is the Federal Reserve.
What is Southern Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.12% in its Q2 2026 call report, above regulatory requirements.
How many branches does Southern Bank operate?
It operates 69 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Southern Bank's Texas Ratio?
Its Texas Ratio is 5.73% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Southern Bank previously called?
The charter now named Southern Bank has also operated as Southern Missouri Bank & Trust Co. (1998-2009), Southern Missouri Savings Bank, FSB (1995-1998), Southern Missouri Savings Bank (1991-1995), per FDIC structure-change records.
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