Southern Bancorp Bank: Peer Group Comparison
BankRegReports is independent of Southern Bancorp Bank and never asks for online banking logins or passwords.
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Southern Bancorp Bank of Arkadelphia, AR against its peer group of 895 similarly-sized US banks as of Q2 2026. The peer group is every US bank in the same asset tier (banks with $1B to $10B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 0.95% | 1.29% | -0.34% | 24th worst quarter |
| ROAE | 7.65% | 12.61% | -4.96% | 17th worst quarter |
| Net Interest Margin | 3.60% | 3.71% | -0.11% | 41st worse half |
| Efficiency Ratio | 66.42% | 58.32% | +8.10% | 74th worse half |
| PPNR / Avg Assets | 1.19% | 1.75% | -0.56% | 21st worst quarter |
| Yield on Earning Assets | 5.38% | 5.54% | -0.16% | 40th |
| Cost of Funds | 1.93% | 2.01% | -0.08% | 45th better half |
| Net Interest Spread | 2.93% | 3.09% | -0.16% | 40th worse half |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 1.42% | 0.52% | +0.90% | 82nd worst quarter |
| NPA / Total Assets | 1.06% | 0.41% | +0.65% | 80th worst quarter |
| NCO / Avg Loans | 0.11% | 0.03% | +0.08% | 73rd worse half |
| ACL / Total Loans | 1.05% | 1.15% | -0.10% | 37th |
| ACL / NPLs (Coverage) | 74.18% | 204.05% | -129.87% | 13th worst quarter |
| Texas Ratio | 8.98% | 3.58% | +5.40% | 80th worst quarter |
| Provision / NCO | 223.05% | 173.21% | +49.84% | 57th |
| CRE / Total Capital | 164.31% | 223.76% | -59.45% | 27th better half |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Leverage Ratio | 11.85% | 10.52% | +1.33% | 74th better half |
| Equity / Assets | 12.46% | 10.38% | +2.08% | 80th best quarter |
| TCE / Tangible Assets | 10.75% | 9.80% | +0.95% | 68th better half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 84.70% | 88.15% | -3.45% | 41st |
| Core Deposit Ratio | 88.63% | 88.46% | +0.17% | 51st better half |
| Uninsured Deposit Ratio | 39.23% | 30.92% | +8.31% | 71st worse half |
| Borrowings / Total Assets | 9.33% | 3.92% | +5.41% | 82nd worst quarter |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.06% | 5.45% | +3.61% | 71st |
| Loan Growth (Y/Y) | 8.98% | 5.90% | +3.08% | 69th |
| Deposit Growth (Y/Y) | 10.00% | 5.07% | +4.93% | 74th |
See Southern Bancorp Bank's peers by name
The 895 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this 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 Bancorp Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Southern Bancorp Bank peer analysis.