Southern Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Southern Bank of Poplar Bluff, MO against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.61% | 1.46% | +0.15% | 72nd above |
| ROAE | 15.48% | 12.71% | +2.77% | 74th above |
| Net Interest Margin | 3.64% | 3.85% | -0.21% | 45th below |
| Efficiency Ratio | 48.59% | 57.42% | -8.83% | 78th top |
| PPNR / Avg Assets | 2.08% | 1.88% | +0.20% | 73rd above |
| Yield on Earning Assets | 5.92% | 5.72% | +0.20% | 73rd above |
| Cost of Funds | 2.48% | 2.02% | +0.46% | 23rd bottom |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.09% | 3.18% | -0.09% | 51st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.76% | 1.00% | -0.24% | 42nd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.75% | 0.76% | -0.01% | 35th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.40% | 0.43% | -0.03% | 12th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.25% | 1.31% | -0.06% | 65th above |
| ACL / NPLs (Coverage) | 163.98% | 544.13% | -380.15% | 46th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.77% | 7.39% | -0.62% | 36th below |
| Provision / NCO | 109.50% | 619.81% | -510.31% | 38th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.12% | 17.35% | -5.23% | 28th below |
| Tier 1 Ratio | 12.12% | 17.38% | -5.26% | 27th below |
| Total Capital Ratio | 13.37% | 18.43% | -5.06% | 30th below |
| Leverage Ratio | 10.45% | 11.44% | -0.99% | 49th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.45% | 11.34% | -0.89% | 51st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.12% | 10.50% | -0.38% | 59th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.37% | 86.93% | +12.44% | 20th bottom |
| Core Deposit Ratio | 84.72% | 85.56% | -0.84% | 34th below |
| Uninsured Deposit Ratio | 18.89% | 33.15% | -14.26% | 86th top |
| Wholesale Funding Ratio | 2.90% | 5.71% | -2.81% | 59th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.37% | 9.69% | -5.32% | 44th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.13% | 8.06% | -0.93% | 59th above |
| Deposit Growth (Y/Y) | 2.83% | 7.88% | -5.05% | 36th below |
See Southern Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Southern Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Southern Bank profile, how to read a UBPR, or how this data updates.