Mountain Grove, MO · Cert 22319 · Southern Bcorp Inc.
State charter, Fed member · FED · 1 affiliate bank · 9 branches (63 in holding)
Q2 2026
Market Position · Springfield, MO · 2026 SOD (annual) · 5.0% share · #7 of 41 inst. · $0.9B of $17.8B
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 | 0.84% | 0.96% | 3.41% | 2.28% | 1.96% | 1.76% | 1.19% | 1.17% | -111 bps | |
| Return on Equity | 7.53% | 8.65% | 30.68% | 20.02% | 16.80% | 14.79% | 9.58% | 9.50% | -1,052 bps | |
| Net Interest Margin | 2.65% | 2.70% | 3.16% | 3.15% | 3.22% | 3.34% | 3.43% | 3.34% | +19 bps | |
| Efficiency Ratio | 61.18% | 59.22% | 29.80% | 38.70% | 42.25% | 48.62% | 52.34% | 52.47% | +1,377 bps | |
| Non-Interest Burden | 1.20% | 1.26% | -1.48% | 0.13% | 0.64% | 1.10% | 1.81% | 1.77% | +165 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.49% | 11.32% | 12.16% | 10.09% | 4.57% | -0.93% | -4.59% | -1.44% | -1,153 bps | |
| Loan Growth (YoY) | 12.68% | 13.47% | 16.56% | 7.18% | -0.25% | -5.28% | -7.32% | -6.73% | -1,390 bps | |
| Deposit Growth (YoY) | 6.86% | 11.84% | 11.93% | 8.73% | 1.57% | -3.65% | -5.58% | -2.58% | -1,131 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.17% | 0.16% | 0.12% | 0.02% | 0.02% | 0.33% | 1.47% | +135 bps | |
| Net Charge-Offs / Loans | 0.63% | 0.46% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.23% | 1.13% | 1.13% | 1.17% | 1.20% | 1.19% | 1.25% | 1.20% | +4 bps | |
| Allowance Coverage of NPLs | 47.6x | 6.7x | 6.8x | 9.8x | 51.4x | 51.9x | 3.8x | 0.8x | -9.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.42% | 11.19% | 11.75% | 11.85% | 12.27% | 12.76% | 11.71% | 11.91% | +6 bps | |
| Total Risk-Based Capital | 12.44% | 12.50% | 13.57% | 14.53% | 15.20% | 12.76% | 11.71% | 11.91% | -262 bps | |
| Equity / Assets | 11.22% | 10.80% | 11.44% | 11.99% | 12.56% | 12.67% | 12.11% | 12.28% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.99% | 100.68% | 100.47% | 99.93% | 101.14% | 98.98% | 98.63% | 95.67% | -425 bps | |
| Liquid Assets / Assets | 6.52% | 9.06% | 9.82% | 11.06% | 11.66% | 13.82% | 11.88% | 7.18% | -388 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 519% | 500% | 559% | n/a | n/a | |