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Southern Bancorp Bank

Arkadelphia, AR · Cert 1528 · Southern Bcorp Inc.

State charter, Fed member · FED · 54 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

49

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

18

Q2 2024Q2 2026peer median (50)

Liquidity

71

Q2 2024Q2 2026peer median

Efficiency

17

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Southern Bancorp Bank

Arkadelphia, AR · Cert 1528 · Southern Bcorp Inc.

State charter, Fed member · FED · 1 affiliate bank · 54 branches (63 in holding)

Q2 2026

$3.0BAssets
$2.0BLoans
$2.3BDeposits
$375.5MEquity
Loan mix
86%RE $1.5B12%C&I $0.2B2%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $1.8B24%Noninterest $0.6BQ2 2025Q2 2026

NIM

4.72%Q2 ’245.02%Q2 ’254.73%Q2 ’26+7%-4%

Non-interest income vs. expense

2.63%Q2 ’242.95%Q2 ’252.69%Q2 ’26+16%-15%

Market Position · Hot Springs, AR · 2026 SOD (annual) · 6.8% share · #6 of 14 inst. · $0.2B of $3.1B

58.6% Clark
6.8% Garland
45.1% Phillips
0.7% Pulaski

Executive Summary

  • Earnings: ROA of 0.89%, up 18 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 1.42% of loans (+44 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 11.85%, down 93 bps from a year ago.
  • Funding: loans stand at 84.70% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.89%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.22%-14 bps YoY

Efficiency Ratio (YTD, annualized)

70.64%-728 bps YoY

Tier 1 Leverage Ratio

11.85%-93 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.79%0.81%0.82%0.89%+18 bps
Return on Equity5.47%5.97%6.07%6.06%6.80%+133 bps
Net Interest Margin3.36%3.49%3.30%3.34%3.22%-14 bps
Efficiency Ratio77.92%75.60%73.23%73.25%70.64%-728 bps
Non-Interest Burden2.45%2.45%2.22%2.25%2.08%-37 bps
Growth
Asset Growth (YoY)4.72%0.37%-0.06%1.03%9.06%+433 bps
Loan Growth (YoY)9.17%5.57%5.51%6.31%8.98%-19 bps
Deposit Growth (YoY)5.46%-0.41%-1.09%1.95%10.00%+454 bps
Asset Quality
Nonperforming Loans / Loans0.98%1.08%1.39%1.34%1.42%+44 bps
Net Charge-Offs / Loans0.15%0.17%0.14%0.12%0.11%-4 bps
Allowance / Loans1.03%1.02%1.09%1.11%1.05%+2 bps
Allowance Coverage of NPLs1.0x0.9x0.8x0.8x0.7x-0.3x
Capital
Tier 1 Leverage Ratio12.79%13.39%12.77%12.28%11.85%-93 bps
Total Risk-Based Capital19.70%19.80%12.77%12.28%11.85%-785 bps
Equity / Assets13.34%13.81%13.95%13.05%12.46%-87 bps
Liquidity & Funding
Loans / Deposits85.50%87.18%87.26%85.13%84.70%-80 bps
Liquid Assets / Assets17.40%16.51%17.21%18.24%19.65%+225 bps
CRE / Total Capitaln/a221%226%244%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Southern Bancorp Bank

Arkadelphia, AR · Cert 1528 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Southern Bcorp Inc.

State charter, Fed member · FED · 1 affiliate bank · 54 branches (63 in holding)

Q2 2026

$3.0BAssets
$2.0BLoans
$2.3BDeposits
$375.5MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 83% of banks $1B-$10B in assets operating regionally (rank 30 of 176).
  • Widest gap: return on equity trails 88% of banks $1B-$10B in assets operating regionally (rank 155 of 176).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.85%

Rank 144 of 176

Net Interest Margin

3.22%

Rank 135 of 176

Efficiency Ratio

71.44%

Rank 147 of 176

Equity / Assets

12.46%

Rank 30 of 176

Non-interest income vs. expense

$18.4M$80.6MINCOMEEXPENSE
Unfavorable gap of $62.2M · efficiency ratio beats 17% of banks $1B-$10B in assets operating regionally
Bank 71.44%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.85%0.93%1.26%1.54%Beats 18%144 / 176
Return on Equity6.83%9.26%11.89%14.46%Beats 12%155 / 176
Net Interest Margin3.22%3.25%3.59%3.93%Beats 23%135 / 176
Efficiency Ratio71.44%52.79%59.55%67.66%Beats 17%147 / 176
Asset Quality
Nonperforming Loans / Loans1.42%0.30%0.64%1.32%Beats 22%138 / 176
Net Charge-Offs / Loans0.06%0.01%0.04%0.10%Beats 37%112 / 176
Capital
Tier 1 Capital Ratio11.85%11.15%12.72%14.15%Beats 39%108 / 176
Total Risk-Based Capital Ratio11.85%11.81%13.63%15.33%Beats 26%131 / 176
Equity / Assets12.46%9.16%10.35%11.80%Beats 83%30 / 176
Liquidity & Funding
Loans / Deposits84.70%80.94%89.73%97.21%35th pctl115 / 176
Loans / Assets65.69%69.25%75.12%80.82%15th pctl150 / 176
Brokered Deposits / Depositsn/aNot reported for this institution