BlastPoint's Banking Scorecard
Southern Bancorp Bank
Designations: ✓ CDFI-certified
Arkadelphia, AR
57 branches across AR · MS
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in AR.
- Deposits +10.0% year over year ($2.3B on the books).
- Delinquency rate 1.43%.
- Return on assets 0.89%.
- Efficiency ratio 70.64% vs a 59.73% peer average.
- Loan-to-deposit ratio 83.81% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Southern Bancorp Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.50% below tier average
- - Net Interest Margin 0.24% below tier average
- - Efficiency Ratio 10.91% above tier average
- - Delinquency Rate 0.57% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.0B
+9.1% YoY
+7.2% QoQ
|
+$219.6M |
$2.8B
-0.6% YoY
|
$2.4B
+2.9% YoY
|
$6.3B
+7.7% YoY
|
70% |
| Total Loans ? |
$2.0B
+9.0% YoY
+7.0% QoQ
|
-$4.9M |
$2.0B
-0.3% YoY
|
$1.7B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
66% |
| Total Deposits ? |
$2.3B
+10.0% YoY
+7.4% QoQ
|
+$17.7M |
$2.3B
-0.5% YoY
|
$2.0B
+2.5% YoY
|
$4.9B
+7.3% YoY
|
67% |
| Return on Assets ? |
0.89%
+24.7% YoY
+9.3% QoQ
|
-0.50% |
1.39%
+17.0% YoY
|
1.32%
+8.9% YoY
|
1.30%
+12.1% YoY
|
22% |
| Net Interest Margin ? |
3.64%
+0.2% YoY
-0.9% QoQ
|
-0.24% |
3.87%
+6.2% YoY
|
4.10%
+6.0% YoY
|
3.95%
+4.9% YoY
|
45% |
| Efficiency Ratio ? |
70.64%
-9.3% YoY
-3.6% QoQ
|
+10.91% |
59.73%
-12.6% YoY
|
61.09%
-4.5% YoY
|
70.05%
+2.5% YoY
|
20% |
| Delinquency Rate ? |
1.43%
+44.5% YoY
+6.0% QoQ
|
+0.57% |
0.87%
+11.7% YoY
|
1.05%
+22.1% YoY
|
0.98%
+16.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
83.81%
-1.0% YoY
-0.4% QoQ
|
-1.22% |
85.04%
-0.1% YoY
|
82.37%
+1.8% YoY
|
79.03%
+2.3% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
24.29%
+13.4% YoY
+15.3% QoQ
|
+3.02% |
21.27%
-1.5% YoY
|
19.62%
+0.3% YoY
|
21.98%
-0.6% YoY
|
69% |
| Nonperforming Asset Ratio ? |
1.06%
+59.0% YoY
+10.3% QoQ
|
+0.38% |
0.67%
+11.7% YoY
|
0.84%
+30.0% YoY
|
0.69%
+15.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
11.85%
-35.8% YoY
-3.5% QoQ
|
-2.99% |
14.84%
-0.4% YoY
|
13.64%
+0.9% YoY
|
17.09%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.31%
+20.7% YoY
+124.8% QoQ
|
-0.22% |
0.53%
+2.5% YoY
|
0.36%
-4.6% YoY
|
0.66%
+5.2% YoY
|
53% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
24.3%
+2.9pp YoY +3.2pp QoQ |
+2.9pp | 21.4% | 19.6% | 22.2% | 68% |
| Brokered Deposits |
5.0%
-2.5pp YoY -0.4pp QoQ |
-4.5pp | 9.5% | 7.2% | 8.5% | 49% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.9%
-2.5pp YoY -1.5pp QoQ |
-4.1pp | 14.0% | 12.7% | 12.5% | 44% |
| CRE |
43.8%
+1.2pp YoY -1.6pp QoQ |
-6.3pp | 50.0% | 41.0% | 41.4% | 33% |
| 1-4 Family |
25.5%
-1.7pp YoY -1.4pp QoQ |
-0.9pp | 26.4% | 28.1% | 31.3% | 56% |
| Consumer |
2.0%
-0.5pp YoY -0.2pp QoQ |
-2.7pp | 4.7% | 4.5% | 5.0% | 64% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
11.9%
-0.9pp YoY -0.4pp QoQ |
+0.5pp | 11.3% | 11.9% | 12.6% | 74% |
| Total Capital Ratio | n/a | n/a | 16.7% | 16.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
564
+50 (+9.7%) YoY +57 (+11.2%) QoQ |
+250 | 313 | 315 | 482 | 86% |
| Assets per Employee ($) |
$5.3M
-0.6% YoY -3.6% QoQ |
-$5.1M | $10.5M | $6.7M | $8.8M | 6% |
| Branch Count |
57
0 YoY 0 QoQ |
+37 | 20 | 25 | 18 | 95% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.1% | 0.4% | n/a |
| Nonaccrual |
1.4%
+0.4pp YoY +0.1pp QoQ |
+0.6pp | 0.8% | 1.1% | 1.0% | 85% |
| Allowance Coverage |
0.74x
-29.3% YoY -10.3% QoQ |
-17.97x | 18.71x | 4.69x | 20.23x | 13% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.3% | 0.2% | 0.2% | 70% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.8%
+1.3pp YoY +0.7pp QoQ |
-5.8pp | 12.6% | 12.3% | 11.6% | 15% |
| Cost of Funds (YTD) |
1.8%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 1.9% | 2.0% | 1.7% | 44% |
| Net Income ($, YTD) |
$12.8M
+28.8% YoY — QoQ |
-$6.4M | $19.2M | $16.0M | $40.4M | 52% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.