What is Southern Bank's financial health grade?

Southern Bank has a TFS Financial Health Grade of C (score: 74.4/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Southern Bank have?

Southern Bank has 70 branch locations across the United States.

Is Southern Bank FDIC insured?

Yes, Southern Bank is FDIC insured (Certificate #28332).

What are the total assets of Southern Bank?

Southern Bank has total assets of $5.0B as reported in its most recent FDIC filing.

Southern Bank

BankPoplar Bluff, Missouri

www.bankwithsouthern.com

Total Assets

$5.0B

Total Deposits

$4.3B

Branches

Established

1887

TFS Health Grade

74.4 / 100

Average financial health

How we grade

Southern Bank is a bank headquartered in Poplar Bluff, Missouri, established in 1887. With $5.0B in total assets and 70 branch locations, it has a TFS Financial Health Grade of C (74.4/100).

Capital & Safety

Tier 1 Capital Ratio

10.34%(8%)

Total Capital Ratio

13.38%(10%)

Non-Performing Loan Ratio

0.70%

Profitability

Return on Assets (ROA)

1.36%(1%)

Return on Equity (ROE)

13.54%(10%)

Net Interest Margin

3.60%

Efficiency Ratio

51.58%(60%)

Lending & Liquidity

Total Loans

$4.2B

Loan-to-Deposit Ratio

96.58%

Net Charge-Off Ratio

0.23%

Growth

Asset Growth (YoY)

+3.85%

Deposit Growth (YoY)

+2.23%

Net Income

$67.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Southern BankHQ	2991 Oak Grove Rd	Poplar Bluff	MO	11
Southern Bank	306 S Elm St	Bald Knob	AR	11
Southern Bank	1583 S Saint Louis St	Batesville	AR	11
Southern Bank	5227 Highway 367 N	Bradford	AR	11
Southern Bank	2203a W Main St	Cabot	AR	11
Southern Bank	2775 E Nettleton Ave	Jonesboro	AR	11
Southern Bank	1925 S Main St	Jonesboro	AR	11
Southern Bank	10825 Financial Centre Parkway	Little Rock	AR	24
Southern Bank	1727 W Kingshighway	Paragould	AR	11
Southern Bank	2930 E Moore Ave	Searcy	AR	24
Southern Bank	2208 E Race Ave	Searcy	AR	11
Southern Bank	358 S Main St	Anna	IL	11
Southern Bank	800 Washington Ave	Cairo	IL	11
Southern Bank	145 Russell St	Tamms	IL	11
Southern Bank	4701 College Blvd	Leawood	KS	11
Southern Bank	310 N Ruth St	Advance	MO	11
Southern Bank	100 Wallace Dr	Alton	MO	11
Southern Bank	3494 Jeffco Blvd	Arnold	MO	11
Southern Bank	52 Missouri St	Benton	MO	11
Southern Bank	505 Highway 25 South	Bloomfield	MO	11
Southern Bank	400 E Spring St	Boonville	MO	11
Southern Bank	322 S Main St	Brookfield	MO	11
Southern Bank	380 N Kingshighway St	Cape Girardeau	MO	11
Southern Bank	3168 William St	Cape Girardeau	MO	11
Southern Bank	125 E Yoakum Ave	Chaffee	MO	11
Southern Bank	515 Washington St	Chillicothe	MO	11
Southern Bank	515 Washington St	Chillicothe	MO	23
Southern Bank	7410 Missouri 14	Clever	MO	11
Southern Bank	713 Us 60 Business	Dexter	MO	11
Southern Bank	303 W Market St	Dexter	MO	11
Southern Bank	302 Washington St	Doniphan	MO	11
Southern Bank	101 Trotter Street	Essex	MO	11
Southern Bank	15775 Us Highway 160	Forsyth	MO	11
Southern Bank	106 N Main St	Gideon	MO	11
Southern Bank	727 W Main St	Jackson	MO	11
Southern Bank	8405 N Oak Trfy	Kansas City	MO	11
Southern Bank	7553 Nw Barry Rd	Kansas City	MO	11
Southern Bank	2041 Commerce Dr	Kearney	MO	11
Southern Bank	301 1st St	Kennett	MO	11
Southern Bank	11892 State Highway 13	Kimberling City	MO	11
Southern Bank	1150 Ne Douglas St	Lees Summit	MO	11
Southern Bank	410 Se 3rd Street, Suite 104c	Lee'S Summit	MO	24
Southern Bank	707 E Briggs Dr	Macon	MO	11
Southern Bank	1292 Banning St	Marshfield	MO	11
Southern Bank	105 N Main St	Maryville	MO	11
Southern Bank	305 W Mount Vernon St	Nixa	MO	11
Southern Bank	9005 Sawgrass Ave	Nixa	MO	11
Southern Bank	2471 W Jackson St	Ozark	MO	11
Southern Bank	2001 N Westwood Blvd	Poplar Bluff	MO	11
Southern Bank	4214 Highway Pp, Township Line Road	Poplar Bluff	MO	11

Showing 50 of 70 branches

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.