B
Southern Bank
Rating Date
March 2026
Risk Based
Capital Ratio
13.38
Leverage
Ratio
10.34
Return On
Assets
1.36%
Total
Assets
5.04B
Capital
527.17M
Total
Deposits
4.32B
Net
Income
67.42M
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Weiss Ratings Southern Bank
Poplar Bluff, MO 		Click to
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Rating B
Asset Quality Index 6.50
Capitalization Index 9.00
Liquidity Index 2.30
Profitability Index 6.60
Stability Index 5.70
Company Info Southern Bank
Poplar Bluff, MO 		Click to
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FDIC Number 28332
Phone Number (573) 778-1800
Website www.bankwithsouthern.com
Asset Quality Southern Bank
Poplar Bluff, MO 		Click to
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1-Year Asset Growth 3.85%
5-Year Asset Growth 18.66%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.23%
Non-Performing Assets to Assets 0.78%
Non-Performing Loans to Capital 5.86%
Non-Performing Loans to Loans 0.90%
Balance Sheet Southern Bank
Poplar Bluff, MO 		Click to
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Total Assets 5.04B
Total Deposits 4.32B
Capital and Reserves Southern Bank
Poplar Bluff, MO 		Click to
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Capital 527.17M
Leverage Ratio 10.34
Loan Loss Reserves to Loans 1.29%
Risk-Based Capital Ratio 13.38
Liquidity Southern Bank
Poplar Bluff, MO 		Click to
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Hot Money Ratio 25.74%
Liquidity Ratio 6.21%
Profitability Southern Bank
Poplar Bluff, MO 		Click to
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5-Year Return on Average Assets 1.39%
Net Income 67.42M
Net Interest Spread 3.53%
Operating Profit to Average Assets 1.69%
Overhead Efficiency Ratio 53.29%
Return on Assets 1.36%
Return on Equity 13.53%