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Southern Bank
Poplar Bluff, MO · FDIC Certificate #28332 · Chartered 01/0
Total assets
$5.19B
Total deposits
$4.42B
Total equity
$542.11M
Net loans
$4.34B
Branches (offices)
66
Net income (YTD)
$39.03M
Rank: #283 of 4,213 U.S. banks by assets · #9 of 190 in Missouri. Assets changed 4.4% and deposits 2.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.53% |
| Return on equity | 14.63% |
| Net interest margin (YTD) | 3.71% |
| Equity to assets | 10.45% |
| Tier 1 leverage ratio | 10.45% |
| Uninsured deposits (share of deposits) | 18.9% |
| Noncurrent loans (share of loans) | 0.63% |
| Net charge-offs (share of loans) | 0.22% |
| Loans to deposits | 98.1% |
| Real estate loans (share of loans) | 82.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $3.56B | 82.0% | |
| Commercial & industrial | $519.83M | 12.0% | |
| Consumer / individual | $52.42M | 1.2% | |
| Construction & development | $310.00M | 7.1% | |
| Agricultural | $219.14M | 5.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.19B | $2.82B | $23.25M | $306.55M |
| Jun 2023 | $4.31B | $3.74B | $18.96M | $404.26M |
| Jun 2024 | $4.55B | $3.96B | $25.91M | $446.13M |
| Jun 2025 | $4.97B | $4.30B | $32.59M | $498.35M |
| Jun 2026 | $5.19B | $4.42B | $39.03M | $542.11M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $3.85B | 54 |
| Arkansas | $396.82M | 8 |
| Illinois | $143.71M | 3 |
| Kansas | $26.68M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $4.42B.
Similar-sized banks
Northeast Bank ($5.23B) · Barrington Bank & Trust Company, National Association ($5.17B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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