B
Southern Bank
Rating Date
October 2025
Risk Based
Capital Ratio
13.27
Leverage
Ratio
10.18
Return On
Assets
1.32%
Total
Assets
4.99B
Capital
513.17M
Total
Deposits
4.30B
Net
Income
48.77M
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Weiss Ratings Southern Bank
Poplar Bluff, MO 		Click to
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Rating B
Asset Quality Index 6.70
Capitalization Index 8.80
Liquidity Index 2.20
Profitability Index 6.20
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 6.56%
5-Year Asset Growth 22.26%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.33%
Non-Performing Assets to Assets 1.08%
Non-Performing Loans to Capital 4.61%
Non-Performing Loans to Loans 1.27%
Balance Sheet Southern Bank
Poplar Bluff, MO 		Click to
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Total Assets 4.99B
Total Deposits 4.30B
Capital and Reserves Southern Bank
Poplar Bluff, MO 		Click to
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Capital 513.17M
Leverage Ratio 10.18
Loan Loss Reserves to Loans 1.24%
Risk-Based Capital Ratio 13.27
Liquidity Southern Bank
Poplar Bluff, MO 		Click to
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Hot Money Ratio 26.46%
Liquidity Ratio 6.29%
Profitability Southern Bank
Poplar Bluff, MO 		Click to
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5-Year Return on Average Assets 1.39%
Net Income 48.77M
Net Interest Spread 3.50%
Operating Profit to Average Assets 1.63%
Overhead Efficiency Ratio 53.96%
Return on Assets 1.32%
Return on Equity 13.25%