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Southern Bancorp Bank
Arkadelphia, AR·FDIC Cert #1528·Charter: STATE·Est. 18840301.0·HC: SOUTHERN BCORP INC
Total Assets
$2.8B
Q4 2025
Return on Assets
0.81%
+0.02%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
73.23%
Peer avg: 58.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
50
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.81%+0.02
ROE
6.07%+0.10
Efficiency
73.23%-2.37
Equity/Assets
0.00%+0.00
NPL Ratio
1.40%+0.31
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
86.31%+0.01
Charge-offs
0.15%-0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.8 | 0.8 | 0.8 | 0.8 | 0.7 | 0.7 | 0.8 | 0.8 |
| ROE | 6.3 | 6.0 | 6.1 | 6.1 | 5.7 | 5.5 | 6.0 | 6.1 |
| Efficiency | 73.5 | 73.4 | 74.5 | 74.7 | 77.8 | 77.9 | 75.6 | 73.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.7 | 0.8 | 0.9 | 0.7 | 0.9 | 1.0 | 1.1 | 1.4 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 | 0.2 | 0.1 |
| Loan/Deposit | 77.2 | 81.6 | 81.3 | 80.9 | 80.8 | 84.6 | 86.3 | 86.3 |
Balance Sheet
Total Assets$2.8B
Total Deposits$2.1B
Total Loans$1.8B
Total Equity$387.7M
Profitability
ROA0.81%
ROE6.07%
Efficiency Ratio73.23%
Net Income$22.6M
Risk & Asset Quality
NPL Ratio1.40%
Charge-off Rate0.15%
Loan/Deposit86.31%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans