Southern Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 73.0% higher than in Q1 2026, at $1.8M. Within Missouri, Southern Bank is 24th of 192 on loan-to-deposit ratio, 99.37% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Southern Bank sits 11.17 points higher, at 99.37% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.39B |
| Net loans and leases | $4.34B |
| Loans held for sale | $1.8M |
| Loans to total assets | 84.72% |
| Loan-to-deposit ratio | 99.37% |
| Net loans to equity capital | 8.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.78% |
| Multifamily (5+ residential) | 10.70% |
| Commercial and industrial | 11.83% |
| Consumer | 1.19% |
| Credit cards | 0.00% |
| Farm | 6.73% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.04% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 287.93% |
| Construction concentration (Tier 1 capital + allowance) | 52.38% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.17% |
| Interest income on loans | $67.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $3.70B | $3.86B | 34.32% | 11.39% | 1.57% |
| Q4 2023 | $3.73B | $4.01B | 33.94% | 10.74% | 1.53% |
| Q1 2024 | $3.77B | $4.01B | 34.79% | 10.44% | 1.48% |
| Q2 2024 | $3.85B | $3.96B | 34.48% | 10.61% | 1.53% |
| Q3 2024 | $3.97B | $4.06B | 33.83% | 10.54% | 1.46% |
| Q4 2024 | $4.03B | $4.23B | 32.73% | 11.14% | 1.37% |
| Q1 2025 | $4.02B | $4.28B | 33.23% | 11.24% | 1.33% |
| Q2 2025 | $4.10B | $4.30B | 32.46% | 11.61% | 1.34% |
| Q3 2025 | $4.19B | $4.30B | 32.74% | 11.63% | 1.32% |
| Q4 2025 | $4.23B | $4.32B | 32.47% | 11.88% | 1.21% |
| Q1 2026 | $4.32B | $4.36B | 32.90% | 11.87% | 1.18% |
| Q2 2026 | $4.39B | $4.42B | 31.78% | 11.83% | 1.19% |
Southern Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Southern Bank, freeSource: Call Report Schedule RC-C, 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)