BlastPoint's Banking Scorecard
Southern Bancorp Bank
Designations: ✓ CDFI-certified
Arkadelphia, AR
57 branches across AR · MS
Southern Bancorp Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 30.7% in tier
- - ROA 0.55% below tier average
- - Net Interest Margin 0.15% below tier average
- - Efficiency Ratio 12.19% above tier average
- - Delinquency Rate 0.46% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.8B
+1.0% YoY
+1.1% QoQ
|
-$5.6M |
$2.8B
-0.1% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
67% |
| Total Loans ? |
$1.8B
+6.3% YoY
+0.2% QoQ
|
-$134.0M |
$2.0B
+0.6% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
63% |
| Total Deposits ? |
$2.2B
+1.9% YoY
+2.7% QoQ
|
-$168.7M |
$2.3B
-0.3% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
63% |
| Return on Assets ? |
0.82%
+10.3% YoY
+0.4% QoQ
|
-0.55% |
1.37%
+19.6% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
21% |
| Net Interest Margin ? |
3.67%
+3.1% YoY
-1.2% QoQ
|
-0.15% |
3.82%
+6.9% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
52% |
| Efficiency Ratio ? |
73.25%
-5.9% YoY
+0.0% QoQ
|
+12.19% |
61.06%
-4.6% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
18% |
| Delinquency Rate ? |
1.35%
+49.5% YoY
-3.6% QoQ
|
+0.46% |
0.89%
+14.1% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
84.19%
+4.3% YoY
-2.5% QoQ
|
-0.01% |
84.20%
+0.3% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
21.07%
-4.9% YoY
+5.3% QoQ
|
-0.22% |
21.29%
-2.5% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.96%
+65.2% YoY
-2.8% QoQ
|
+0.28% |
0.67%
+15.6% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
22% |
| Tier 1 Capital Ratio ? |
12.28%
-35.2% YoY
-3.9% QoQ
|
-2.88% |
15.16%
+2.0% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.14%
+3.9% YoY
-76.3% QoQ
|
-0.12% |
0.26%
+1.6% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
47% |
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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 (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.