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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

4.78%Q2 ’245.06%Q2 ’254.86%Q2 ’26+8%-4%

Non-interest income vs. expense

2.63%Q2 ’242.98%Q2 ’252.75%Q2 ’26+17%-19%

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 0.98%, up 28 bps year over year; NIM at 3.28%.
  • 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 (quarter, annualized)

0.98%+28 bps YoY

Net Interest Margin (quarter, annualized)

3.28%-13 bps YoY

Efficiency Ratio (quarter, annualized)

68.24%-977 bps YoY

Tier 1 Leverage Ratio

11.85%-93 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.69%0.94%0.89%0.82%0.98%+28 bps
Return on Equity5.23%6.95%6.39%6.06%7.65%+242 bps
Net Interest Margin3.41%3.57%3.37%3.34%3.28%-13 bps
Efficiency Ratio78.01%71.16%66.69%73.25%68.24%-977 bps
Non-Interest Burden2.50%2.33%1.97%2.25%2.03%-47 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 / Loans0.16%0.20%0.07%0.12%0.11%-5 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