FDIC Cert #28332 · Poplar Bluff, Missouri · Est. 1887

Southern Bank - FDIC Bank Health Profile

A community-scale look at Southern Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$5.0B
Total assets
A
Health grade · Excellent
1.36%
Return on assets
12.2%
Tier 1 capital

Data updated July 2026

The verdict

Southern Bank earns a PlainBankData health grade of A (83/100), with well-capitalized at 12.20% Tier 1, profitable at 1.36% ROA, efficient (52% cost ratio).

#288
largest of 4,313 FDIC banks by assets
93rd
percentile by asset size, nationally
12.20%
Tier 1 ratio - above the 10% well-capitalized line
67th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 28332 · MO A · 83/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (83/100)
  • MID-PACK #1526/4307
  • PHOTO-FINISH First Palmetto Bank · SC
  • TIER1-WELL 12.2% Tier 1
  • TEXAS-CLEAN 5.1% Texas
  • ROA-STRONG 1.36% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Missouri: First Palmetto Bank, SC (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Southern Bank

Lowest and highest poles plus nearest scored peers outside Missouri, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Banner Bank · WA · near83/100First Palmetto Bank · SC · n…83/100Home Bank, National… · LA · …83/100Lyons Federal Bank · KS · ne…83/100Southern Bank · MO · this ba…83/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Southern Bank · July 2026

Call Report read for Southern Bank in a high-failure state

Southern Bank (FDIC Cert #28332) carries a PlainBankData health grade of A at 83/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,526 of 4,307. Tier 1 capital prints at 12.20%, clearing the 10% well-capitalized line. The Texas Ratio is 5.10%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.36%. Balance-sheet scale is $5.0B, 288th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Palmetto Bank (SC), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Southern Bank

16 FAILURE resolutions in Missouri since 2000, heavy vs the state corpus

Southern Bank sits in one of the heavier post-2000 FAILURE states (16 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about Southern Bank's current Call Report.

  • TRUMAN BANK ST. LOUIS, MO 2012 → SIMMONS FIRST NATIONAL BANK
  • GLASGOW SAVINGS BANK GLASGOW, MO 2012 → REGIONAL MISSOURI BANK
  • COMMUNITY BANK OF THE OZARKS SUNRISE, MO 2012 → BANK OF SULLIVAN

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Missouri banks.

How Southern Bank's 83/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10083/100
Southern Bank's composite health score
Tier 1 Capital Ratio (12.20%) 35/40
Return on Assets (ROA) (1.36%) 20/25
Texas Ratio (5.10%) 16/20
Efficiency Ratio (51.58%) 12/15

83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$5.0B

Total balance-sheet footings

Total Deposits

$4.3B

Customer-funded liabilities

Net Loans

$4.2B

Outstanding loan book

Net Income

$67M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.8% 12.2% 13.6%
Basel III capital ratios - Southern Bank

Where Southern Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Southern Bank's score of 83/100 falls in the highlighted band.

Southern Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

83 Top 35% higher than 65% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Southern Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Southern Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Southern Bank's $5.0B falls in the highlighted band.

Capital & credit buffers at Southern Bank

Tier 1 capital ratio
Well-capitalized 10%

12.20% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.20%
Texas Ratio
5.10%
Equity Capital
$527M

What these ratios mean →

Earnings posture at Southern Bank

Return on Assets (ROA)
67th percentile nationally
1.36%
Return on Equity (ROE)
13.54%
Efficiency Ratio
51.58%

What these mean →

Income & expense at Southern Bank

$286M
Interest Income
$33M
Non-Interest Income
$107M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Southern Bank reports a Texas Ratio of 5.10% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.10% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Southern Bank on FDIC BankFind →

Top banks in Missouri by total assets

Largest banks headquartered in Missouri
  1. 1
    UMB Bank $72.8B

    Kansas City, MO · Grade A

  2. 2
    Commerce Bank $32.7B

    Kansas City, MO · Grade A

  3. 3
    The Central Trust Bank $20.8B

    Jefferson City, MO · Grade A

  4. 4
    Stifel Bank and Trust $19.4B

    Saint Louis, MO · Grade A

  5. 5
    Enterprise Bank & Trust $17.3B

    Clayton, MO · Grade B

Top 5 banks in Missouri ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($5.0B here), outside Missouri so the neighborhood is not state containment.

Leader Bank $5.0B · MA Heartland Bank and Trust Company $5.1B · IL Community Bank of Mississippi $5.0B · MS First National Bank Alaska $5.1B · AK

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Southern Bank (FDIC Cert #28332) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Southern Bank Call Report profile · FDIC Failed Bank List · Missouri FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Missouri

All Missouri banks →
BankAssetsGradeROA
UMB Bank, National AssociationKansas City $72.8B A 1.01%
Commerce BankKansas City $32.7B A 1.74%
The Central Trust BankJefferson City $20.8B A 1.82%
Stifel Bank and TrustSaint Louis $19.4B A 1.82%
Enterprise Bank & TrustClayton $17.3B B 1.29%
Stifel BankSaint Louis $11.7B A 1.49%
First BankSt. Louis $6.7B B 0.51%
Great Southern BankReeds Spring $5.6B A 1.31%