B
Southern Bank
Rating Date
August 2026
Risk Based
Capital Ratio
13.37
Leverage
Ratio
10.45
Return On
Assets
1.53%
Total
Assets
5.19B
Capital
542.11M
Total
Deposits
4.42B
Net
Income
39.03M
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Weiss Ratings Southern Bank
Poplar Bluff, MO 		Click to
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Rating B
Asset Quality Index 6.10
Capitalization Index 9.20
Liquidity Index 2.00
Profitability Index 6.90
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 4.37%
5-Year Asset Growth 18.66%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.22%
Non-Performing Assets to Assets 0.75%
Non-Performing Loans to Capital 5.14%
Non-Performing Loans to Loans 0.76%
Balance Sheet Southern Bank
Poplar Bluff, MO 		Click to
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Total Assets 5.19B
Total Deposits 4.42B
Capital and Reserves Southern Bank
Poplar Bluff, MO 		Click to
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Capital 542.11M
Leverage Ratio 10.45
Loan Loss Reserves to Loans 1.25%
Risk-Based Capital Ratio 13.37
Liquidity Southern Bank
Poplar Bluff, MO 		Click to
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Hot Money Ratio 28.30%
Liquidity Ratio 6.18%
Profitability Southern Bank
Poplar Bluff, MO 		Click to
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5-Year Return on Average Assets 1.38%
Net Income 39.03M
Net Interest Spread 3.62%
Operating Profit to Average Assets 1.81%
Overhead Efficiency Ratio 51.23%
Return on Assets 1.53%
Return on Equity 14.64%