B
Southern Bank
Rating Date
June 2025
Risk Based
Capital Ratio
13.22
Leverage
Ratio
9.82
Return On
Assets
1.32%
Total
Assets
4.93B
Capital
483.56M
Total
Deposits
4.28B
Net
Income
16.27M
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Weiss Ratings Southern Bank
Poplar Bluff, MO 		Click to
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Rating B
Asset Quality Index 6.90
Capitalization Index 8.20
Liquidity Index 2.50
Profitability Index 5.80
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 7.16%
5-Year Asset Growth 22.26%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.11%
Non-Performing Assets to Assets 0.95%
Non-Performing Loans to Capital 4.05%
Non-Performing Loans to Loans 1.13%
Balance Sheet Southern Bank
Poplar Bluff, MO 		Click to
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Total Assets 4.93B
Total Deposits 4.28B
Capital and Reserves Southern Bank
Poplar Bluff, MO 		Click to
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Capital 483.56M
Leverage Ratio 9.82
Loan Loss Reserves to Loans 1.37%
Risk-Based Capital Ratio 13.22
Liquidity Southern Bank
Poplar Bluff, MO 		Click to
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Hot Money Ratio 26.88%
Liquidity Ratio 8.95%
Profitability Southern Bank
Poplar Bluff, MO 		Click to
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5-Year Return on Average Assets 1.39%
Net Income 16.27M
Net Interest Spread 3.41%
Operating Profit to Average Assets 1.67%
Overhead Efficiency Ratio 55.34%
Return on Assets 1.32%
Return on Equity 13.67%