BlastPoint's Banking Scorecard

Southern Bank

$1B-$10B Specialty: Commercial MO FDIC cert 28332

Poplar Bluff, MO

69 branches across MO · AR · IL · KS

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 30 in MO.
Deposits +2.8% year over year ($4.4B on the books).
Delinquency rate 0.64%.
Return on assets 1.53%.
Efficiency ratio 49.89% vs a 59.73% peer average.
Loan-to-deposit ratio 98.13% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 30 in MO

View $1B-$10B leaderboard (MO) →

Southern Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.14% above tier average
+ Efficiency Ratio 9.84% below tier average
+ Delinquency Rate 0.23% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 32.1% in tier
- Net Interest Margin 0.16% below tier average

Get updates when Southern Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$5.2B +4.4% YoY +1.9% QoQ	+$2.4B	$2.8B -0.6% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	Top 13.8% in tier
Total Loans ?	$4.3B +7.1% YoY +1.7% QoQ	+$2.4B	$2.0B -0.3% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	Top 10.5% in tier
Total Deposits ?	$4.4B +2.8% YoY +1.5% QoQ	+$2.1B	$2.3B -0.5% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	Top 12.8% in tier
Return on Assets ?	1.53% +15.3% YoY +6.1% QoQ	+0.14%	1.39% +17.0% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	71%
Net Interest Margin ?	3.71% +5.8% YoY +0.6% QoQ	-0.16%	3.87% +6.2% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	50%
Efficiency Ratio ?	49.89% -6.6% YoY -2.5% QoQ	-9.84%	59.73% -12.6% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	77%
Delinquency Rate ?	0.64% +12.0% YoY -9.7% QoQ	-0.23%	0.87% +11.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	42%
Loan-to-Deposit Ratio ?	98.13% +4.2% YoY +0.2% QoQ	+13.09%	85.04% -0.1% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	19%
Non-Interest-Bearing Deposit Share ?	13.06% +4.7% YoY +4.3% QoQ	-8.21%	21.27% -1.5% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	20%
Nonperforming Asset Ratio ?	0.64% +34.8% YoY +2.3% QoQ	-0.03%	0.67% +11.7% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	35%
Tier 1 Capital Ratio ?	12.12% +0.2% YoY +0.7% QoQ	-2.73%	14.84% -0.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	36%
Non-Interest Income / Assets ?	0.33% -2.7% YoY +101.9% QoQ	-0.19%	0.53% +2.5% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	59%

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 (MO)	National Avg	Tier Percentile
Noninterest-Bearing	13.1% +0.6pp YoY +0.5pp QoQ	-8.3pp	21.4%	20.9%	22.2%	19%
Brokered Deposits	6.6% +1.0pp YoY +1.4pp QoQ	-2.9pp	9.5%	7.4%	8.5%	57%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	12.0% +0.2pp YoY 0.0pp QoQ	-2.0pp	14.0%	12.3%	12.5%	55%
CRE	50.2% -1.4pp YoY -0.7pp QoQ	+0.1pp	50.0%	36.8%	41.4%	51%
1-4 Family	25.1% +0.5pp YoY +0.1pp QoQ	-1.4pp	26.4%	31.9%	31.3%	55%
Consumer	1.2% -0.1pp YoY 0.0pp QoQ	-3.5pp	4.7%	4.1%	5.0%	50%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	12.1% 0.0pp YoY +0.1pp QoQ	-3.5pp	15.6%	18.5%	19.7%	27%
Leverage Ratio	10.4% +0.4pp YoY +0.1pp QoQ	-0.9pp	11.3%	11.6%	12.6%	48%
Total Capital Ratio	13.4% 0.0pp YoY +0.1pp QoQ	-3.3pp	16.7%	19.6%	20.8%	29%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	729 +10 (+1.4%) YoY +8 (+1.1%) QoQ	+415	313	162	482	93%
Assets per Employee ($)	$7.1M +2.9% YoY +0.8% QoQ	-$3.4M	$10.5M	$8.0M	$8.8M	25%
Branch Count	69 0 YoY -1 (-1.4%) QoQ	+49	20	10	18	97%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	0.6% +0.1pp YoY -0.1pp QoQ	-0.2pp	0.8%	0.8%	1.0%	59%
Allowance Coverage	1.99x -11.4% YoY +7.0% QoQ	-16.72x	18.71x	10.47x	20.23x	49%
Net Charge-off Rate (YTD)	0.2% -0.1pp YoY +0.2pp QoQ	0.0pp	0.3%	0.3%	0.2%	81%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	14.6% +1.2pp YoY +0.8pp QoQ	+2.0pp	12.6%	14.3%	11.6%	70%
Cost of Funds (YTD)	2.3% -0.3pp YoY 0.0pp QoQ	+0.4pp	1.9%	1.8%	1.7%	79%
Net Income ($, YTD)	$39.0M +19.8% YoY — QoQ	+$19.8M	$19.2M	$11.3M	$40.4M	88%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk

#130 of 402 • Bottom 32.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

Total Loans

size

Value: $4.34B

Peer Median: $1.96B

#94 of 885 Top 10.5% in $1B-$10B

114

Total Deposits

size

Value: $4.42B

Peer Median: $2.32B

#114 of 885 Top 12.8% in $1B-$10B

123

Total Assets

size

Value: $5.19B

Peer Median: $2.79B

#123 of 885 Top 13.8% in $1B-$10B

202

Efficiency Ratio

profitability

Value: 49.89%

Peer Median: 59.73%

#202 of 885 Top 22.7% in $1B-$10B

Top Weaknesses (2 metrics)

718

Loan-to-Deposit Ratio

liquidity

Value: 98.13%

Peer Median: 85.04%

#718 of 885 Bottom 19.0% in $1B-$10B

713

Non-Interest-Bearing Deposit Share

funding

Value: 13.06%

Peer Median: 21.27%

#713 of 885 Bottom 19.5% in $1B-$10B