Bank call report · Poplar Bluff, MO
Southern Bank Call Report
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Southern Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 500 reported line items, schedule by schedule (647 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 272272 |
| FDIC certificate number | 28332 |
| Total assets | $5.19B |
Official Q2 2026 call report PDF (FFIEC) →
Southern Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (28 items)
About Schedule RC · Southern Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $5.19B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $5.19B |
| Total Liabilities and Minority Interest | RCON2948 | $4.64B |
| Total Deposits | RCON2200 | $4.42B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $4.39B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $4.34B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $3.84B |
| Deposits: Noninterest-bearing | RCON6631 | $577.4M |
| Total Equity Capital | RCON3210 | $542.1M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $542.1M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $450.8M |
| Surplus | RCON3839 | $306.5M |
| Undivided Profits and Capital Reserves | RCON3632 | $245.4M |
| Other Assets | RCON2160 | $185.6M |
| Other Borrowed Money | RCON3190 | $130.4M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $92.8M |
| Other Liabilities, Total | RCON2930 | $72.0M |
| Allowance for Loan and Lease Losses | RCON3123 | $54.9M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $49.1M |
| Securities Purchased Under Agreements to Resell | RCONB989 | $35.4M |
| Intangible Assets | RCON2143 | $21.5M |
| Securities Sold Under Agreements to Repurchase | RCONB995 | $20.0M |
| Accumulated Other Comprehensive Income | RCONB530 | -$9.8M |
| Interest-bearing Balances | RCON0071 | $6.4M |
| Other Real Estate Owned | RCON2150 | $5.6M |
| Loans and Leases Held for Sale | RCON5369 | $1.8M |
| Goodwill | RCON3163 | $1.6M |
| Common Stock | RCON3230 | $1K |
Schedule RI: Income Statement (48 items)
About Schedule RI · Southern Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $143.7M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $132.6M |
| Net Interest Income | RIAD4074 | $88.2M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $73.0M |
| Total Interest Expense | RIAD4073 | $55.5M |
| Total Noninterest Expense | RIAD4093 | $54.1M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $46.2M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $46.2M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $39.0M |
| Net Income (Loss) | RIAD4340 | $39.0M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $39.0M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $32.5M |
| Salaries and Employee Benefits | RIAD4135 | $27.9M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $24.8M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $17.5M |
| Total Noninterest Income | RIAD4079 | $17.4M |
| Other Noninterest Expense | RIAD4092 | $16.9M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $11.7M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $9.8M |
| Other Noninterest Income | RIADB497 | $8.7M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $7.8M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $7.5M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $7.5M |
| Applicable Income Taxes | RIAD4302 | $7.2M |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $6.4M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $6.2M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $5.3M |
| Provision for Loan and Lease Losses | RIAD4230 | $5.2M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $4.9M |
| Other Interest Expense | RIADGW44 | $2.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $2.1M |
| Interest on Other Securities | RIAD4060 | $1.6M |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $1.4M |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $829K |
| Noninterest income: Income from insurance activities | RIADHT74 | $766K |
| Other Interest Income | RIAD4518 | $722K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $715K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $562K |
| Net Servicing Fees | RIADB492 | $492K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $402K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $357K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $245K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $188K |
| Income from Lease Financing Receivables | RIAD4065 | $135K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $68K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | -$48K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | -$14K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 729 |
Schedule RC-B: Securities (37 items)
About Schedule RC-B · Southern Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $113.5M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $109.2M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $463.3M |
| Pledged Securities | RCON0416 | $254.9M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $148.8M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $146.0M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $97.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $78.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $70.5M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $68.8M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $65.8M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $40.5M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $40.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $40.0M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $32.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $31.8M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $28.2M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $28.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $26.2M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $25.5M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $24.5M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $23.4M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $21.2M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $20.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $17.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $16.3M |
| Total (Asset-backed Securities) Fair Value - Available-for-sale | RCONC027 | $14.9M |
| Asset-backed Securities: Available-for-sale Amortized Cost | RCONC989 | $14.6M |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Available-for-sale: Amortized Cost | RCONPV00 | $13.1M |
| Guaranteed by U.S. Government Agencies or Sponsored Agencies Included in Schedule Rc-b, Item 5.B - Available-for-sale, Fair Value | RCONPV01 | $12.7M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $12.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $6.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $4.9M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $3.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $3.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $2.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $300K |
Schedule RC-C, Part I: Loans and Leases (39 items)
About Schedule RC-C, Part I · Southern Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $4.39B |
| Pledged Loans and Leases | RCONG378 | $2.04B |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $1.82B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $1.15B |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $942.8M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $924.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $760.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $647.2M |
| Commercial and Industrial Loans | RCON1766 | $519.8M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $472.0M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $470.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $443.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $405.8M |
| Real Estate Loans Secured by Farmland | RCON1420 | $295.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $263.5M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $257.0M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $234.2M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $219.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $187.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $151.4M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $138.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $115.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $113.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $108.7M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $75.8M |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions | RCONJ454 | $32.7M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $29.6M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $21.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $16.8M |
| Lease Financing Receivables (Net of Unearned Income) | RCON2165 | $6.8M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $5.8M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $5.6M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Owner-occupied Nonfarm Nonresidential Properties | RCONK161 | $3.7M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $2.0M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Other Nonfarm Nonresidential Properties | RCONK162 | $1.5M |
| Other Loans | RCONJ464 | $1.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $1.2M |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $817K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans | RCONK256 | $589K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $233.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $85.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $40.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $39.3M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $39.3M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $39.0M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $38.3M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $14.6M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $11.3M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $10.9M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $10.8M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $8.4M |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 1,637 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 548 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 503 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 379 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 325 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 298 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 295 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 276 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 189 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 150 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 101 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 65 |
Schedule RC-E: Deposit Liabilities (34 items)
About Schedule RC-E · Southern Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $2.77B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $2.66B |
| Total Transaction Accounts | RCON2215 | $1.65B |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $1.42B |
| Total Demand Deposits (See Note Below) | RCON2210 | $1.26B |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $1.09B |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $866.0M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $707.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $705.6M |
| Total reciprocal deposits | RCONJH83 | $503.8M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $489.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $389.3M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $385.1M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $349.1M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $325.0M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $318.6M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $298.6M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $290.6M |
| Total Brokered Deposits | RCON2365 | $290.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $228.8M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $216.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $215.7M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $155.1M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $120.3M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $118.7M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $112.3M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $59.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $44.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $30.3M |
| Sweep deposits: Not fully insured, non-affiliate sweep deposits | RCONMT93 | $20.0M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $9.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $5.7M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $2.2M |
| Total Transaction Accounts - Deposits of U.S. Government | RCON2202 | $24K |
Schedule RC-F: Other Assets (11 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $76.1M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $58.8M |
| Accrued Interest Receivable | RCONB556 | $26.9M |
| Other Assets | RCON2168 | $12.3M |
| Net Deferred Tax Assets | RCON2148 | $10.5M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $7.8M |
| Prepaid Expenses | RCON2166 | $4.0M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $1.0M |
| Derivatives with a Position Fair Value Held for Purposes Other Than Trading | RCONC010 | $224K |
| Other Repossessed Assets (Net) | RCON1578 | $209K |
| Accounts Receivable | RCONFT34 | $66K |
Schedule RC-G: Other Liabilities (9 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $41.5M |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $31.3M |
| Other Expenses Accrued and Unpaid | RCON3646 | $14.4M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $11.7M |
| Operating lease liabilities | RCONLB56 | $6.8M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $4.4M |
| Deferred Compensation Liabilities | RCONC011 | $2.9M |
| Derivatives with a Negative Fair Value Held for Purposes Other Than Trading | RCONC012 | $284K |
| Accounts Payable | RCON3066 | $260K |
Schedule RC-K: Quarterly Averages (19 items)
About Schedule RC-K · Southern Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $5.16B |
| Quarterly Average of Total Loans | RCON3360 | $4.36B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $2.46B |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $1.27B |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $1.12B |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $1.07B |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $1.03B |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $515.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $385.4M |
| Mortgage-backed Securities | RCONB559 | $343.0M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $208.0M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $140.1M |
| All Other Securities | RCONB560 | $107.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $53.5M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $34.5M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $20.0M |
| Lease Financing Receivables (Net of Unearned Income) - Quarterly Average | RCON3484 | $6.4M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $4.0M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $3.0M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (9 items)
About Schedule RC-L · Southern Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $257.7M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $168.0M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $154.2M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $121.4M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $117.0M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $31.6M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $7.6M |
| Other unused commitments: Loans to nondepository financial institutions | RCONPV11 | $3.1M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Trading | RCONA126 | $2.0M |
Schedule RC-M: Memoranda (13 items)
About Schedule RC-M · Southern Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $65.4M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $65.4M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $65.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $37.2M |
| All other intangible assets | RCONJF76 | $17.6M |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $5.5M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $2.3M |
| Mortgage Servicing Assets | RCON3164 | $2.3M |
| Outstanding balance of PPP loans | RCONLG27 | $94K |
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $88K |
| All Other Real Estate Owned: Construction and Land Development in Domestic Offices | RCON5508 | $84K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 4 |
| Number of outstanding PPP Loans | RCONLG26 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (28 items)
About Schedule RC-N · Southern Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $27.7M |
| Additions to Nonaccrual Assets | RCONC410 | $20.0M |
| All Other Loans - Nonaccrual | RCON5461 | $7.9M |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Nonaccrual | RCON1583 | $7.9M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $7.4M |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $6.0M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $3.7M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $3.6M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $3.1M |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $2.4M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $2.4M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual | RCON3495 | $2.0M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $1.1M |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $654K |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Past Due 30-89 Days and Still Accruing | RCON1594 | $608K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $481K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing | RCON3493 | $408K |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $298K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $292K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $223K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $218K |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' : Nonaccrual | RCONK041 | $159K |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Nonaccrual | RCONK038 | $159K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $131K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $129K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $68K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $38K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $19K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · Southern Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $5.16B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $4.43B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $3.19B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $1.13B |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $835.1M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $529.5M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $97.8M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $21.7M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 155,946 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 3,411 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 1,814 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 55 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Southern Bank regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (25 items)
About Schedule RC-R, Part I · Southern Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $5.16B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $5.14B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $4.43B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $592.4M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $542.1M |
| Common Equity Tier 1 Capital | RCOAP859 | $536.9M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $536.9M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $536.9M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $306.5M |
| Retained Earnings | RCOAKW00 | $245.4M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $55.4M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $55.4M |
| Tier 2 Capital Before Deductions | RCOAP870 | $55.4M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $15.0M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $13.7M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$9.8M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$9.8M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $1.2M |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCOAP843 | $20K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1337 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1212 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1212 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1045 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0537 |
Schedule RC-R, Part II: Risk-Weighted Assets (83 items)
About Schedule RC-R, Part II · Southern Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $4.43B |
| Total Risk-weighted Assets | RCONG641 | $4.43B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $3.70B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $3.70B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $3.47B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $3.25B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $3.17B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $1.23B |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $1.11B |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $1.11B |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $1.10B |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $614.3M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $453.4M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $408.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $363.7M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $363.7M |
| Total All Other Assets | RCOND981 | $305.5M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $288.2M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $280.0M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $262.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $246.8M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $226.7M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $190.5M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $171.2M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $100.8M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $72.7M |
| All Other Off- Balance Sheet Liabilities - 50 Pct Risk Weight Category | RCONG622 | $58.8M |
| All Other Off- Balance Sheet Liabilities - Credit Equivalent Amount | RCONG619 | $58.8M |
| All Other Off- Balance Sheet Liabilities - Face, Notional or Other Amount | RCONG618 | $58.8M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over Five Years | RCONS584 | $57.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $56.0M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $55.5M |
| Unused Commitments, Original Maturity Exceeding One Year - 50 Pct Risk Weight Category | RCONG628 | $55.5M |
| Repo-style Transactions - 0 Pct Risk Weight Category | RCONS517 | $55.4M |
| Repo-style Transactions - Credit Equivalent Amount | RCONS516 | $55.4M |
| Repo-style Transactions - Face, Notional, or Other Amount | RCONS515 | $55.4M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $51.5M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over One Year Through Five Years | RCONS583 | $50.0M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $45.6M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $44.0M |
| On-balance Sheet Securitization Exposures, Available-for-sale Securities - Adjustments to Total Reported in Column a | RCONS481 | $42.0M |
| Total On-balance Sheet Securitization Exposures, Available-for-sale Securities | RCONS480 | $42.0M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $36.5M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $36.4M |
| Adjustments to Totals Reported in Column a, Securities Purchased Under Agreements to Resell | RCONH172 | $35.4M |
| Totals from Schedule Rc, Securities Purchased Under Agreements to Resell | RCONH171 | $35.4M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | $29.2M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $28.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $24.3M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $24.3M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $24.2M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $24.2M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $19.2M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $19.0M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$12.5M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $10.9M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $10.2M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $9.2M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $8.8M |
| On-balance Sheet Securitization Exposures, Available-for-sale Securities - Ssfa Risk Weight Exposure, by Calculation Methodology | RCONS483 | $8.4M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $7.6M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $7.6M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $7.6M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $5.8M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 50% | RCONS529 | $4.4M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $4.0M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $2.3M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $2.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $2.3M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $1.8M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $1.8M |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $1.3M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $1.0M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $1.0M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $1.0M |
| Amount of allowances for credit losses on purchased credit-deteriorated assets - Loans and leases held for investment | RCONJJ30 | $790K |
| Over-the-counter Derivatives - 0 Pct Risk Weight Category | RCONS543 | $752K |
| Over-the-counter Derivatives - 100 Pct Risk Weight Category | RCONS547 | $577K |
| Current Credit Exposure Across All Derivative Contracts Covered by the Regulatory Capital Rules | RCONG642 | $224K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 0% | RCONS527 | $91K |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $70K |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $70K |
| Unused Commitments, Original Maturity Exceeding One Year - 0 Pct Risk Weight Category | RCONG626 | $5K |
Schedule RC-T: Fiduciary and Related Services (38 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Fiduciary Accounts - Managed Assets | RCONB894 | $362.2M |
| Personal Trust and Agency Accounts - Managed Assets | RCONB868 | $117.8M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Managed Assets | RCONJ255 | $96.5M |
| Total Fiduciary Accounts - Non-managed Assets | RCONB895 | $86.4M |
| Investment Management Agency Accounts - Managed Assets | RCONB886 | $61.7M |
| Employee Benefit-defined Contribution - Non-managed Assets | RCONB873 | $58.0M |
| Employee Benefit-defined Benefit - Managed Assets | RCONB876 | $46.1M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Managed Assets | RCONJ259 | $39.0M |
| Other Retirement Accounts - Managed Assets | RCONB880 | $39.0M |
| Personal Trust and Agency Accounts - Non-managed | RCONB869 | $22.1M |
| Custody and Safekeeping Accounts - Non-managed Assets | RCONB898 | $8.9M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Non-managed Assets | RCONJ256 | $3.8M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Non-managed Asset | RCONJ260 | $3.0M |
| Other Retirement Accounts - Non-managed Assets | RCONB881 | $2.5M |
| Income from Fiduciary Activities | RIAD4070 | $1.2M |
| Employee Benefit-defined Contribution - Managed Assets | RCONB872 | $1.1M |
| Fiduciary and Related Services Income-foundation and Endowment Trust and Agency Accounts | RIADJ316 | $339K |
| Employee Benefit-defined Contribution | RIADB905 | $201K |
| Fiduciary and Related Services Income-investment Management and Investment Advisory Agency Accounts | RIADJ315 | $200K |
| Personal Trust and Agency Accounts | RIADB904 | $185K |
| Other Retirement Accounts | RIADB907 | $157K |
| Employee Benefit-defined Benefit | RIADB906 | $57K |
| Custody and Safekeeping Accounts | RIADB909 | $18K |
| Total Fiduciary Accounts - Number of Managed Accounts | RCONB896 | 301 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Managed Accounts | RCONJ261 | 105 |
| Other Retirement Accounts - Number of Managed Accounts | RCONB882 | 105 |
| Personal Trust and Agency Accounts - Number of Managed Accounts | RCONB870 | 82 |
| Investment Management Agency Accounts - Number of Managed Accounts | RCONB888 | 59 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Managed Accounts | RCONJ257 | 53 |
| Total Fiduciary Accounts - Non-managed Accounts | RCONB897 | 32 |
| Employee Benefit-defined Contribution - Number of Non-managed Accounts | RCONB875 | 18 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Non-managed Accounts | RCONJ262 | 18 |
| Custody and Safekeeping Accounts - Number of Non-managed Accounts | RCONB899 | 12 |
| Other Retirement Accounts - Number of Non-managed Accounts | RCONB883 | 11 |
| Personal Trust and Agency Accounts - Number of Non-managed Accounts | RCONB871 | 2 |
| Employee Benefit-defined Benefit - Number of Managed Accounts | RCONB878 | 1 |
| Employee Benefit-defined Contribution - Number of Managed Accounts | RCONB874 | 1 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Non-managed Accounts | RCONJ258 | 1 |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $542.1M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $527.2M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $527.2M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $24.5M |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | $1.5M |
| Other Comprehensive Income | RIADB511 | -$1.1M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (16 items)
About Schedule RI-B, Part I · Southern Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $5.0M |
| Charge-offs on All Other Loans | RIAD4644 | $2.9M |
| Charge-offs on Loans to Finance Agricultural Production and Other Loans to Farmers | RIAD4655 | $2.6M |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $1.6M |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $254K |
| Recoveries on All Other Loans | RIAD4628 | $161K |
| Charge-offs on Automobile Loans | RIADK129 | $126K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $117K |
| Loans Secured by Other Nonfarm Nonresidential Properties: Charge-offs | RIADC897 | $111K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Charge-offs | RIADC895 | $47K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $38K |
| Other Construction Loans and All Land Development and Other Land Loans, Charge-offs | RIADC893 | $31K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $30K |
| Recoveries on Automobile Loans | RIADK133 | $24K |
| Charge-offs on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5411 | $6K |
| Other Construction Loans and All Land Development and Other Land Loans, Recoveries | RIADC894 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Southern Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $54.9M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $54.5M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $5.0M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $123K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $4.39B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $1.69B |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $1.56B |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $781.9M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $310.0M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $54.9M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $52.4M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $22.6M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $15.2M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $12.9M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $3.2M |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $1.0M |
Schedule SU: Supplemental Information (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $281.6M |
| Total Outstanding Principal Balance of Assets Sold by the Reporting Institution with Recourse or Other Seller Provided Credit Enhancements, But Not Securitized by the Reporting Institution | RCONFT10 | $58.8M |
Southern Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Southern Bank call report?
The Southern Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Southern Bank file?
Southern Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Southern Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Southern Bank has Federal Reserve RSSD ID 272272 and FDIC certificate number 28332. Either one finds its filings on the FFIEC Central Data Repository.
How often does Southern Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Southern Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 28332) · FFIEC NIC profile (RSSD 272272)