Arkadelphia, AR · Cert 1528 · Southern Bcorp Inc.
State charter, Fed member · FED · 1 affiliate bank · 54 branches (63 in holding)
Q2 2026
Market Position · Hot Springs, AR · 2026 SOD (annual) · 6.8% share · #6 of 14 inst. · $0.2B of $3.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.80% | 0.74% | 0.72% | 0.79% | 0.81% | 0.82% | 0.89% | +18 bps | |
| Return on Equity | 6.13% | 6.12% | 5.71% | 5.47% | 5.97% | 6.07% | 6.06% | 6.80% | +133 bps | |
| Net Interest Margin | 3.09% | 3.08% | 3.25% | 3.36% | 3.49% | 3.30% | 3.34% | 3.22% | -14 bps | |
| Efficiency Ratio | 74.46% | 74.74% | 77.82% | 77.92% | 75.60% | 73.23% | 73.25% | 70.64% | -728 bps | |
| Non-Interest Burden | 2.12% | 2.13% | 2.36% | 2.45% | 2.45% | 2.22% | 2.25% | 2.08% | -37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.20% | 6.68% | 7.06% | 4.72% | 0.37% | -0.06% | 1.03% | 9.06% | +433 bps | |
| Loan Growth (YoY) | 9.74% | 12.66% | 10.25% | 9.17% | 5.57% | 5.51% | 6.31% | 8.98% | -19 bps | |
| Deposit Growth (YoY) | 6.19% | 5.32% | 5.60% | 5.46% | -0.41% | -1.09% | 1.95% | 10.00% | +454 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.85% | 0.74% | 0.90% | 0.98% | 1.08% | 1.39% | 1.34% | 1.42% | +44 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.07% | 0.15% | 0.15% | 0.17% | 0.14% | 0.12% | 0.11% | -4 bps | |
| Allowance / Loans | 1.12% | 1.10% | 1.09% | 1.03% | 1.02% | 1.09% | 1.11% | 1.05% | +2 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.5x | 1.2x | 1.0x | 0.9x | 0.8x | 0.8x | 0.7x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.36% | 12.13% | 12.40% | 12.79% | 13.39% | 12.77% | 12.28% | 11.85% | -93 bps | |
| Total Risk-Based Capital | 20.67% | 19.58% | 20.21% | 19.70% | 19.80% | 12.77% | 12.28% | 11.85% | -785 bps | |
| Equity / Assets | 13.14% | 12.85% | 13.12% | 13.34% | 13.81% | 13.95% | 13.05% | 12.46% | -87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.25% | 81.79% | 81.64% | 85.50% | 87.18% | 87.26% | 85.13% | 84.70% | -80 bps | |
| Liquid Assets / Assets | 19.94% | 20.17% | 20.71% | 17.40% | 16.51% | 17.21% | 18.24% | 19.65% | +225 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 221% | 226% | 244% | n/a | n/a | |