← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Missouri, the state note

Southern Bank

Poplar Bluff, Missouri · $5.19B in assets · beside the 8 other Missouri banks between $3B and $10B

The filing

1.51%
ROA
2nd of 9
10.5%
Equity / assets
7th of 9
51.2%
Efficiency
3rd of 9

Southern Bank is the third largest of the 9 Missouri banks between $3B and $10B, with $5.19B in assets at 30 June 2026. Loans are 99.4% of deposits, 6th of 9 against a median of 96.9%, and equity is 10.5% of assets, 7th of 9. Loans grew +7.1% in the year, 5th of 9, and deposits grew 2.8%; the cohort's median loan growth is +7.1%.

Noncurrent loans are 0.63% of the book, 4th of 9 against a median of 0.90%; 0.17% is 30 to 89 days past due, and the allowance covers them 2.0 times. Net charge-offs are 0.21% of loans, 6th of 9. Commercial real estate is 38.8% of loans, 6th of 9 against a median of 36.5%, and 288% of capital, below the 300% screen, with construction at 52% against the 100% screen.

Return on assets is 1.51%, 2nd of 9 against a median of 1.27%, on an efficiency ratio of 51.2%, 3rd of 9. Five years ago it was 1.89%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsMO banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 1.27% FS First State Community Bank 1.81% SB Southern Bank 1.51% OB Oakstar Bank 1.46% MB Midwest Bankcentre 1.34% NA North American Savings Bank FSB 1.27% GS Great Southern Bank 1.26% AB Academy Bank National Association 1.05% Bo Bank of Missouri 0.93% FB First Bank 0.65%
Loans, year over yearMO banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +7.1% Bo Bank of Missouri +48.0% OB Oakstar Bank +10.4% FB First Bank +7.8% FS First State Community Bank +7.3% SB Southern Bank +7.1% AB Academy Bank National Association +5.5% NA North American Savings Bank FSB +1.8% MB Midwest Bankcentre +1.7% GS Great Southern Bank -4.9%

SBA 7(a), FY2008 to FY2026

Southern Bank is the 9th largest 7(a) lender into Missouri of 444, with $172M across 361 loans, 2.3% of everything approved in the state (Oakstar Bank leads with $556M). 80 of its 114 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Missouri, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Jackson, MO$59M1st of 1835.8%-2.3 pts
Saint Louis, MO$29M12th of 1782.0%-1.1 pts
Johnson, KS$22M14th of 1851.7%quiet FY2022
Saint Louis City, MO$16M5th of 1005.1%thin
Wyandotte, KS$10M9th of 724.7%quiet FY2022
Jefferson, MO$9M2nd of 795.7%thin
Platte, MO$8M2nd of 736.3%thin
Greene, MO$8M15th of 801.0%-0.1 pts
Hamilton, OH$5M40th of 1220.4%quiet FY2018
Clay, MO$5M18th of 1071.9%-0.7 pts
Douglas, NE$5M33rd of 1450.6%quiet FY2015
Fairfield, OH$5M9th of 602.6%quiet FY2017
Saint Charles, MO$5M27th of 1361.1%-1.9 pts
101 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services92$49M17.8%0.06%225th of 2,596
Manufacturing44$39M14.0%0.10%188th of 2,246
Other services70$36M12.9%0.10%160th of 2,248
Retail trade66$26M9.6%0.04%274th of 2,589
Construction55$26M9.5%0.08%191st of 2,063
7(a) lenders into Missouri, share of approvals since FY2008444 lenders on record; the ten largest and Southern Bank
OB Oakstar Bank 7.3% $556M · 864 loans SB Simmons Bank 6.1% $463M · 1,400 loans LO Live Oak Banking Company 5.3% $404M · 257 loans MR Midwest Regional Bank 4.6% $353M · 393 loans UB U.S. Bank, National Association 4.0% $302M · 2,342 loans TB The Bank of Missouri 3.1% $235M · 887 loans CB Commerce Bank 3.0% $229M · 926 loans BB Busey Bank 2.8% $209M · 281 loans SB Southern Bank 2.3% $172M · 361 loans TC The Central Trust Bank 2.1% $157M · 770 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Southern BankRankCohort median
Total CRE against capital, the 300% screen288%7th of 9228%
Construction against capital, the 100% screen52%3rd of 968%
Construction and land development, share of loans7.1%2nd of 99.4%
Non-owner-occupied nonfarm nonresidential, share of loans21.0%6th of 921.0%
Total CRE, the guidance definition, share of loans38.8%6th of 936.5%
CRE growth over 36 months, the third prong+14.7%2nd of 9+40.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First Bank$6.65B0.7%73.7%0.27%0.17%1.0%73.0%8.4%
Great Southern Bank$5.53B1.3%63.2%0.02%0.04%1.5%100.1%11.0%
Southern Bank$5.19B1.5%51.2%0.63%0.21%1.2%99.4%10.5%
First State Community Bank$4.51B1.8%49.2%1.07%0.12%1.1%91.4%12.5%
Bank of Missouri$4.23B0.9%75.0%1.53%0.84%0.7%88.8%11.7%
Oakstar Bank$3.29B1.5%56.5%0.48%0.08%1.2%101.7%9.9%
Academy Bank National Association$3.23B1.0%63.1%1.05%0.29%1.4%92.9%14.6%
North American Savings Bank FSB$3.20B1.3%46.2%0.90%0.03%1.3%117.8%13.7%
Midwest Bankcentre$3.07B1.3%51.9%1.07%0.23%1.3%96.9%12.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Southern BankCohort median
20212026Change20212026Change
Loans$2.23B$4.39B+97%$1.85B$3.18B+72%
Deposits$2.33B$4.42B+90%$2.24B$3.58B+60%
NPA / loans0.26%0.63%+0.37 pts0.39%0.90%+0.50 pts
Efficiency50.2%51.2%+1.0 pts63.5%56.5%-7.0 pts
ROA1.89%1.51%-0.38 pts1.50%1.27%-0.22 pts

This read was prepared for Southern Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Southern Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MO banks $3B to $10B
Institution www.bankwithsouthern.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue