Southern Bank (Poplar Bluff, MO): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Poplar Bluff, Southern Bank serves the Missouri market as a community-focused commercial bank. Total assets stand at $5.2B. Profitability is strong, 1.61% ROA, paired with 15.48% ROE and a 3.64% net interest margin. Capital is comfortably above regulatory requirements, CET1 ratio of 12.12% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are in line with industry norms, 0.76% NPL ratio. Its footprint covers 69 branches concentrated in Missouri.
As of June 30, 2026, Southern Bank reported a CET1 capital ratio of 12.12%, a return on assets of 1.61%, a nonperforming-loan ratio of 0.76%, a Texas ratio of 6.77%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 2991 Oak Grove Rd, Poplar Bluff, MO 63901
- County
- Butler
- Metro Area
- Poplar Bluff, MO
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1887
- Former names
- Southern Missouri Bank & Trust Co. (1998-2009); Southern Missouri Savings Bank, FSB (1995-1998); Southern Missouri Savings Bank (1991-1995)
- Offices
- 69 domestic
- Employees (FTE)
- 729
- Domestic deposits
- $4.42B
- Allowance for credit losses
- $54.9M
- Net charge-offs (YTD)
- $4.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28332
- Fed RSSD
- 272272
- SEC CIK
- 916907 → filed by SOUTHERN MISSOURI BANCORP, INC.
- Website
- www.bankwithsouthern.com →
- Parent Holding Company
- SOUTHERN MISSOURI BANCORP, INC. (RSSD 3266227) · SMBC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Steffens Greg A | CEO | CHAIRMAN/CEO |
| Chkautovich Stefan | CFO | CHIEF FINANCIAL OFFICER |
| Capps Kimberly A | COO | EVP-CHIEF OPERATIONS OFFICER |
| Funke Matthew T | PRES | PRESIDENT/CHIEF ADMIN OFFICER |
| Hecker Mark E | CCO | EVP-CHIEF CREDIT OFFICER |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Southern Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Southern Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Southern Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.12% | 1.61% | 0.76% | 6.77% | 3.64% |
| Q1 2026 | 12.03% | 1.44% | 0.90% | 7.14% | 3.60% |
| Q4 2025 | 12.20% | 1.48% | 0.90% | 7.09% | 3.60% |
| Q3 2025 | 12.06% | 1.30% | 1.27% | 9.95% | 3.62% |
| Q2 2025 | 12.09% | 1.32% | 1.21% | 9.53% | 3.47% |
| Q1 2025 | 11.97% | 1.32% | 1.13% | 9.13% | 3.41% |
| Q4 2024 | 11.48% | 1.31% | 0.80% | 6.98% | 3.39% |
| Q3 2024 | 11.28% | 1.14% | 0.92% | 8.20% | 3.40% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 66 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Southern Bank (main office) | Poplar Bluff , MO | 63901 | $539.9M |
| Kennett Facility | Kennett , MO | 63857 | $201.4M |
| Nixa - Mt Vernon Facility | Nixa , MO | 65714 | $168.9M |
| Maryville Facility Branch | Maryville , MO | 64468 | $148.5M |
| Chillicothe Facility Branch | Chillicothe , MO | 64601 | $148.4M |
| Marshfield Facility | Marshfield , MO | 65706 | $132.5M |
| Forsyth Facility | Forsyth , MO | 65653 | $129.3M |
| Cape Girardeau - Williams St Facility | Cape Girardeau , MO | 63703 | $122.1M |
| Springfield - S. National Facility Branch | Springfield , MO | 65810 | $105.3M |
| Arnold Facility Branch | Arnold , MO | 63010 | $104.0M |
| Dexter Facility | Dexter , MO | 63841 | $100.4M |
| Jonesboro-Nettleton Facility | Jonesboro , AR | 72401 | $97.8M |
| West Plains Facility | West Plains , MO | 65775 | $92.2M |
| Sikeston Facility | Sikeston , MO | 63801 | $87.1M |
| Jackson Facility | Jackson , MO | 63755 | $85.3M |
| Doniphan Facility | Doniphan , MO | 63935 | $83.9M |
| Kimberling City Facility | Kimberling City , MO | 65686 | $82.9M |
| Oakville Facility Branch | Saint Louis , MO | 63129 | $78.9M |
| Thayer Facility | Thayer , MO | 65791 | $78.2M |
| Paragould Facility | Paragould , AR | 72450 | $77.0M |
| Smithville Facility Branch | Smithville , MO | 64089 | $76.3M |
| Trenton Facility Branch | Trenton , MO | 64683 | $71.3M |
| Cairo Facility Branch | Cairo , IL | 62914 | $67.1M |
| Kansas City Barry Rd Facility Branch | Kansas City , MO | 64153 | $66.2M |
| St. Joseph - Frederick Facility Branch | St. Joseph , MO | 64506 | $61.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 25, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 25, 2023 | Structure Change | Acquired Citizens Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 26, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 26, 2022 | Structure Change | Acquired FortuneBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 23, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 23, 2020 | Structure Change | Acquired Central Federal Savings and Loan Association of Rolla Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 8, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 8, 2018 | Structure Change | Acquired First Commercial Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 24, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 24, 2018 | Structure Change | Acquired Southern Missouri Bank of Marshfield Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 19, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 19, 2017 | Structure Change | Acquired Capaha Bank, SB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 6, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 6, 2014 | Structure Change | Acquired Peoples Bank of the Ozarks Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 22, 2014 | Structure Change | Acquired Citizens State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 21, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 5, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 5, 2013 | Structure Change | Acquired Bank of Thayer Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 18, 2010 | Structure Change | Acquired First Southern Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 17, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| July 20, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 20, 2009 | Structure Change | Acquired Southern Bank of Commerce Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 22, 1983 | Structure Change | Acquired Kennett Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 1982 | Structure Change | Acquired Pioneer State Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 25 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Southern Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.4% of deposits in MO, rank 10 of 253 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,776 applications, 1,486 loans originated, $290.4M originated, across 13 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Southern Bank
What are Southern Bank's total assets?
As of the Q2 2026 filing, Southern Bank reported total assets of $5.19 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Southern Bank headquartered?
Southern Bank is headquartered in Poplar Bluff, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Southern Bank founded?
Southern Bank was established in 1887, per the FDIC institution directory.
Is Southern Bank FDIC-insured?
Yes. Southern Bank is an FDIC-insured commercial bank (FDIC Certificate #28332). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Southern Bank?
Southern Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Southern Bank's CET1 capital ratio?
Southern Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.12% in its Q2 2026 call report, above regulatory requirements.
How many branches does Southern Bank operate?
Southern Bank operates 69 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Southern Bank's Texas Ratio?
Southern Bank's Texas Ratio is 6.77% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Southern Bank previously called?
The charter now named Southern Bank has also operated as Southern Missouri Bank & Trust Co. (1998-2009), Southern Missouri Savings Bank, FSB (1995-1998), Southern Missouri Savings Bank (1991-1995), per FDIC structure-change records.
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