Southern Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income dropped 7.7% in Q2 2026, from -$9.1M to -$9.8M. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Southern Bank is 66th of 98 on CET1 ratio, 12.12% as of Q2 2026, below the middle of the field. Southern Bank reported 12.12% on CET1 ratio for Q2 2026, 1.36 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.12% |
| Tier 1 risk-based capital ratio | 12.12% |
| Total risk-based capital ratio | 13.37% |
| Tier 1 leverage ratio | 10.45% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $536.9M |
| Tier 1 capital | $536.9M |
| Total risk-based capital | $592.4M |
| Total equity capital | $542.1M |
| Risk-weighted assets | $4.43B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.45% |
| Tangible equity to tangible assets | 10.12% |
| Equity capital to average assets | 10.52% |
| Internal capital growth rate | 8.11% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $306.5M |
| Retained earnings | $245.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.81% | 10.81% | 12.06% | 9.56% | $3.85B |
| Q4 2023 | 11.03% | 11.03% | 12.28% | 9.45% | $3.87B |
| Q1 2024 | 11.27% | 11.27% | 12.52% | 9.42% | $3.87B |
| Q2 2024 | 11.43% | 11.43% | 12.69% | 9.79% | $3.91B |
| Q3 2024 | 11.28% | 11.28% | 12.53% | 9.92% | $4.03B |
| Q4 2024 | 11.48% | 11.48% | 12.73% | 9.80% | $4.08B |
| Q1 2025 | 11.97% | 11.97% | 13.22% | 9.82% | $4.02B |
| Q2 2025 | 12.09% | 12.09% | 13.34% | 10.05% | $4.09B |
| Q3 2025 | 12.06% | 12.06% | 13.27% | 10.18% | $4.18B |
| Q4 2025 | 12.20% | 12.20% | 13.38% | 10.34% | $4.26B |
| Q1 2026 | 12.03% | 12.03% | 13.23% | 10.38% | $4.36B |
| Q2 2026 | 12.12% | 12.12% | 13.37% | 10.45% | $4.43B |
Southern Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Southern Bank, freeSource: Call Report Schedule RC-R, 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 Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28332) · FFIEC NIC profile (RSSD 272272)