BlastPoint's Banking Scorecard

Southern Bank

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

Poplar Bluff, MO

69 branches across MO · AR · IL · KS

883 banks in the $1B-$10B peer group nationally 29 in 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 0.08% above tier average
+ Efficiency Ratio 9.87% below tier average
+ Delinquency Rate 0.18% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 38.7% in tier
- Net Interest Margin 0.13% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$5.1B +3.4% YoY +0.9% QoQ	+$2.3B	$2.8B -0.1% YoY	$1.6B +6.5% YoY	$6.2B +9.0% YoY	Top 14.2% in tier
Total Loans ?	$4.3B +7.5% YoY +2.3% QoQ	+$2.3B	$2.0B +0.6% YoY	$1.0B +8.5% YoY	$3.2B +10.7% YoY	Top 10.6% in tier
Total Deposits ?	$4.4B +1.8% YoY +0.8% QoQ	+$2.0B	$2.3B -0.3% YoY	$1.3B +6.1% YoY	$4.8B +8.0% YoY	Top 13.8% in tier
Return on Assets ?	1.44% +8.4% YoY +5.9% QoQ	+0.08%	1.37% +19.6% YoY	1.43% +10.8% YoY	1.24% +13.1% YoY	67%
Net Interest Margin ?	3.69% +5.7% YoY +2.5% QoQ	-0.13%	3.82% +6.9% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	53%
Efficiency Ratio ?	51.18% -4.3% YoY -0.8% QoQ	-9.87%	61.05% -4.6% YoY	59.97% -5.2% YoY	66.84% -3.8% YoY	76%
Delinquency Rate ?	0.71% +27.6% YoY -0.6% QoQ	-0.18%	0.89% +14.1% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	40%
Loan-to-Deposit Ratio ?	97.98% +5.6% YoY +1.4% QoQ	+13.77%	84.20% +0.3% YoY	79.48% +1.6% YoY	76.69% +0.9% YoY	17%
Non-Interest-Bearing Deposit Share ?	12.52% +0.1% YoY +1.2% QoQ	-8.77%	21.28% -2.5% YoY	20.72% +0.3% YoY	22.01% -1.1% YoY	18%
Nonperforming Asset Ratio ?	0.63% +30.1% YoY +1.4% QoQ	-0.05%	0.67% +15.6% YoY	0.67% +20.5% YoY	0.66% +19.3% YoY	34%
Tier 1 Capital Ratio ?	12.03% +0.5% YoY -1.4% QoQ	-3.13%	15.17% +2.0% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	31%
Non-Interest Income / Assets ?	0.17% +0.1% YoY -74.9% QoQ	-0.09%	0.26% +1.6% YoY	0.29% +5.6% YoY	0.32% +4.0% YoY	60%

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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

#163 of 419 • Bottom 38.7% in tier

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

419 of 419 Mid-Market banks match · 1462 nationally

→ Stable -11 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 883 peers in $1B-$10B

Top Strengths (4 metrics)

Total Loans

size

Value: $4.27B

Peer Median: $1.97B

#95 of 883 Top 10.6% in $1B-$10B

123

Total Deposits

size

Value: $4.36B

Peer Median: $2.34B

#123 of 883 Top 13.8% in $1B-$10B

126

Total Assets

size

Value: $5.09B

Peer Median: $2.82B

#126 of 883 Top 14.2% in $1B-$10B

217

Efficiency Ratio

profitability

Value: 51.18%

Peer Median: 61.05%

#217 of 883 Top 24.5% in $1B-$10B

Top Weaknesses (2 metrics)

731

Loan-to-Deposit Ratio

liquidity

Value: 97.98%

Peer Median: 84.20%

#731 of 883 Bottom 17.3% in $1B-$10B

725

Non-Interest-Bearing Deposit Share

funding

Value: 12.52%

Peer Median: 21.28%

#725 of 883 Bottom 18.0% in $1B-$10B