Southern Bank is a state-chartered bank (fed member) headquartered in Poplar Bluff, Missouri, in business for about 139 years. At the end of Q2 2026 it reported $5.2B in total assets and $4.4B in deposits, with 69 offices across 4 states.
Based on its Q2 2026 filing, Southern Bank scores 70/100, which we describe as strong. That is higher than 58% of 897 banks with $1 billion – $10 billion. Among 194 banks headquartered in Missouri, it ranks 101st. Its strongest component is problem-loan coverage (89/100; 5.6%), and its lowest is capital cushion (54/100; 10.45%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (68 → 70), mostly because the earnings component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 70 |
| Q4 2024 | 70 |
| Q1 2025 | 68 |
| Q2 2025 | 68 |
| Q3 2025 | 68 |
| Q4 2025 | 68 |
| Q1 2026 | 69 |
| Q2 2026 | 70 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.79% |
| Q3 2024 | 9.92% |
| Q4 2024 | 9.80% |
| Q1 2025 | 9.82% |
| Q2 2025 | 10.05% |
| Q3 2025 | 10.18% |
| Q4 2025 | 10.34% |
| Q1 2026 | 10.38% |
| Q2 2026 | 10.45% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.17% |
| Q3 2024 | 0.21% |
| Q4 2024 | 0.21% |
| Q1 2025 | 0.55% |
| Q2 2025 | 0.56% |
| Q3 2025 | 0.62% |
| Q4 2025 | 0.70% |
| Q1 2026 | 0.70% |
| Q2 2026 | 0.63% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.13% |
| Q3 2024 | 1.13% |
| Q4 2024 | 1.18% |
| Q1 2025 | 1.33% |
| Q2 2025 | 1.33% |
| Q3 2025 | 1.32% |
| Q4 2025 | 1.36% |
| Q1 2026 | 1.44% |
| Q2 2026 | 1.53% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $5.2B | 10.45% | 0.63% | 1.53% | 98.1% |
| Q1 2026 | 69 | $5.1B | 10.38% | 0.70% | 1.44% | 98.0% |
| Q4 2025 | 68 | $5.0B | 10.34% | 0.70% | 1.36% | 96.6% |
| Q3 2025 | 68 | $5.0B | 10.18% | 0.62% | 1.32% | 96.3% |
| Q2 2025 | 68 | $5.0B | 10.05% | 0.56% | 1.33% | 94.2% |
| Q1 2025 | 68 | $4.9B | 9.82% | 0.55% | 1.33% | 92.8% |
| Q4 2024 | 70 | $4.9B | 9.80% | 0.21% | 1.18% | 94.0% |
| Q3 2024 | 70 | $4.7B | 9.92% | 0.21% | 1.13% | 96.5% |
| Q2 2024 | 70 | $4.6B | 9.79% | 0.17% | 1.13% | 96.0% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Great Southern BankBank Reeds Spring, MO | 73 out of 100, Strong | $5.5B | 11.3% | 0.02% | vs |
| First State Community BankBank Farmington, MO | 73 out of 100, Strong | $4.5B | 11.7% | 1.07% | vs |
| The Bank of MissouriBank Perryville, MO | 55 out of 100, Moderate | $4.2B | 9.6% | 1.53% | vs |
| First BankBank St. Louis, MO | 66 out of 100, Moderate | $6.7B | 9.7% | 0.27% | vs |
| Oakstar BankBank Springfield, MO | 69 out of 100, Moderate | $3.3B | 9.8% | 0.48% | vs |
| Academy Bank, National AssociationBank Kansas City, MO | 73 out of 100, Strong | $3.2B | 14.3% | 1.05% | vs |
Deposit insurance
Is my money safe at Southern Bank?
Yes. Southern Bank is an FDIC-insured institution (FDIC certificate #28332). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.9% of deposits ($835.1M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.45%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.37% (benchmark: 10%).
69 locations
Branches
Southern Bank lists 64 offices in 52 cities across 4 states. Most locations:
- Poplar Bluff, MO (4)
- Springfield, MO (3)
- Cape Girardeau, MO (2)
- Dexter, MO (2)
- Jonesboro, AR (2)
- Kansas City, MO (2)
- Nixa, MO (2)
- Saint Louis, MO (2)
- West Plains, MO (2)
- Advance, MO (1)
- Alton, MO (1)
- Anna, IL (1)
HMDA 2025
Mortgage lending
In 2025, Southern Bank reported 1,770 home-loan applications under HMDA (LEI 549300YKBMBBIIMQJS94): 1,486 originated ($290,410,000 total), 92 denied, and 188 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Southern Bank
- Former names
- Southern Missouri Savings and Loan Association; Southern Missouri Bank & Trust Co.; Southern Missouri Savings Bank, FSB; Southern Missouri Savings Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 28332
- RSSD ID
- 272272
- Primary regulator
- FED
- Holding company
- Southern Missouri Bcorp Inc
- Established
- January 1, 1887
- Headquarters
- 2991 Oak Grove Rd, Poplar Bluff, MO 63901
- Website
- www.bankwithsouthern.com
- Employees
- 729
Quick answers
Southern Bank: common questions
Is Southern Bank FDIC insured?
Yes. Southern Bank is an FDIC-insured institution (FDIC certificate #28332). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Southern Bank's TellerScore?
70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Southern Bank ever failed?
There is no failure record for FDIC certificate #28332 in the FDIC failed bank list.
How many branches does Southern Bank have?
69 offices as of the latest FDIC data, in 4 states.
Nearby
Highest-scoring banks and credit unions with branches near Poplar Bluff
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoples Community BankBank Greenville, MO | 83 out of 100, Strong | $735.2M | 18.5% | 1.23% | vs |
| Ozark Federal Credit UnionCredit union Poplar Bluff, MO | 81 out of 100, Strong | $142.5M | 11.6% | 0.18% | vs |
| Sterling BankBank Poplar Bluff, MO | 78 out of 100, Strong | $1.6B | 11.1% | 0.35% | vs |
| First Midwest Bank of the OzarksBank Poplar Bluff, MO | 69 out of 100, Moderate | $733.2M | 10.8% | 1.00% | vs |
| Fm Bank And TrustBank Blytheville, AR | 69 out of 100, Moderate | $1.4B | 8.6% | 0.52% | vs |
| Bank of GrandinBank Grandin, MO | 64 out of 100, Moderate | $241.0M | 14.7% | 2.88% | vs |