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
Unfavorable gap of $62.2M · efficiency ratio beats 17% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.85% | 0.93% | 1.26% | 1.54% | Beats 18% | 144 / 176 | | |
| Return on Equity | 6.83% | 9.26% | 11.89% | 14.46% | Beats 12% | 155 / 176 | | |
| Net Interest Margin | 3.22% | 3.25% | 3.59% | 3.93% | Beats 23% | 135 / 176 | | |
| Efficiency Ratio | 71.44% | 52.79% | 59.55% | 67.66% | Beats 17% | 147 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.42% | 0.30% | 0.64% | 1.32% | Beats 22% | 138 / 176 | | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.04% | 0.10% | Beats 37% | 112 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 11.85% | 11.15% | 12.72% | 14.15% | Beats 39% | 108 / 176 | | |
| Total Risk-Based Capital Ratio | 11.85% | 11.81% | 13.63% | 15.33% | Beats 26% | 131 / 176 | | |
| Equity / Assets | 12.46% | 9.16% | 10.35% | 11.80% | Beats 83% | 30 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.70% | 80.94% | 89.73% | 97.21% | 35th pctl | 115 / 176 | | |
| Loans / Assets | 65.69% | 69.25% | 75.12% | 80.82% | 15th pctl | 150 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |