Southern Bank
Poplar Bluff, MO · Cert 28332 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Southern Missouri Bcorp Inc.
State charter, Fed member · FED · 66 branches
Q2 2026
$5.2BAssets
$4.4BLoans
$4.4BDeposits
$542.1MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 80% of banks $1B-$10B in assets operating regionally (rank 36 of 176).
- Widest gap: net charge-offs / loans trails 80% of banks $1B-$10B in assets operating regionally (rank 141 of 176).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.51%
Rank 48 of 176
Net Interest Margin
3.43%
Rank 104 of 176
Efficiency Ratio
51.23%
Rank 36 of 176
Equity / Assets
10.45%
Rank 83 of 176
Non-interest income vs. expense
Unfavorable gap of $73.5M · efficiency ratio beats 80% 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 | 1.51% | 0.93% | 1.26% | 1.54% | Beats 73% | 48 / 176 | | |
| Return on Equity | 14.40% | 9.26% | 11.89% | 14.46% | Beats 73% | 47 / 176 | | |
| Net Interest Margin | 3.43% | 3.25% | 3.59% | 3.93% | Beats 41% | 104 / 176 | | |
| Efficiency Ratio | 51.23% | 52.79% | 59.55% | 67.66% | Beats 80% | 36 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.63% | 0.30% | 0.64% | 1.32% | Beats 51% | 88 / 176 | | |
| Net Charge-Offs / Loans | 0.11% | 0.01% | 0.04% | 0.10% | Beats 20% | 141 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 12.12% | 11.15% | 12.72% | 14.15% | Beats 44% | 99 / 176 | | |
| Total Risk-Based Capital Ratio | 13.37% | 11.81% | 13.63% | 15.33% | Beats 47% | 94 / 176 | | |
| Equity / Assets | 10.45% | 9.16% | 10.35% | 11.80% | Beats 53% | 83 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 99.37% | 80.94% | 89.73% | 97.21% | 82nd pctl | 32 / 176 | | |
| Loans / Assets | 84.72% | 69.25% | 75.12% | 80.82% | 91st pctl | 15 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |