Southern Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 19.63 percentage points in Q2 2026, from 144.35% to 163.98%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Southern Bank is 76th of 192 on return on assets, 1.61% as of Q2 2026, above the middle of the field. Southern Bank reported 1.61% on return on assets for Q2 2026, 0.33 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.12% |
| Tier 1 risk-based capital ratio | 12.12% |
| Total risk-based capital ratio | 13.37% |
| Tier 1 leverage ratio | 10.45% |
| Equity capital to assets | 10.45% |
| Tangible equity to tangible assets | 10.12% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.76% |
| Non-performing assets ratio | 0.75% |
| Net charge-off ratio | 0.40% |
| Texas ratio | 6.77% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of non-performing loans | 163.98% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.61% |
| Return on equity | 15.48% |
| Net interest margin | 3.64% |
| Efficiency ratio | 48.59% |
| Yield on earning assets | 5.92% |
| Cost of funds | 2.48% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.37% |
| Core deposits to total deposits | 84.72% |
| Brokered deposits to total deposits | 6.57% |
| Deposits to assets | 85.26% |
| Securities to assets | 8.69% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.81% | 10.81% | 12.06% | 9.56% | 1.25% |
| Q4 2023 | 11.03% | 11.03% | 12.28% | 9.45% | 1.12% |
| Q1 2024 | 11.27% | 11.27% | 12.52% | 9.42% | 1.02% |
| Q2 2024 | 11.43% | 11.43% | 12.69% | 9.79% | 1.23% |
| Q3 2024 | 11.28% | 11.28% | 12.53% | 9.92% | 1.14% |
| Q4 2024 | 11.48% | 11.48% | 12.73% | 9.80% | 1.31% |
| Q1 2025 | 11.97% | 11.97% | 13.22% | 9.82% | 1.32% |
| Q2 2025 | 12.09% | 12.09% | 13.34% | 10.05% | 1.32% |
| Q3 2025 | 12.06% | 12.06% | 13.27% | 10.18% | 1.30% |
| Q4 2025 | 12.20% | 12.20% | 13.38% | 10.34% | 1.48% |
| Q1 2026 | 12.03% | 12.03% | 13.23% | 10.38% | 1.44% |
| Q2 2026 | 12.12% | 12.12% | 13.37% | 10.45% | 1.61% |
Southern Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Southern Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)