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Southern Bank
Poplar Bluff, MO·FDIC Cert #28332·Charter: STATE·Est. 18870101.0·HC: SOUTHERN MISSOURI BCORP INC
Total Assets
$5.0B
Q4 2025
Return on Assets
1.36%
+0.04%Peer avg: 1.23%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
51.58%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
57
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.36%+0.04
ROE
13.54%+0.29
Efficiency
51.58%-0.63
Equity/Assets
0.00%+0.00
NPL Ratio
0.71%+0.08
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
96.58%+0.30
Charge-offs
0.23%-0.10
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 | 1.0 | 1.1 | 1.1 | 1.2 | 1.3 | 1.3 | 1.3 | 1.4 |
| ROE | 11.0 | 11.9 | 11.8 | 12.3 | 13.7 | 13.5 | 13.3 | 13.5 |
| Efficiency | 59.0 | 57.7 | 57.6 | 56.6 | 53.5 | 53.4 | 52.2 | 51.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.2 | 0.2 | 0.2 | 0.6 | 0.6 | 0.6 | 0.7 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.3 | 0.3 | 0.2 |
| Loan/Deposit | 92.7 | 96.0 | 96.5 | 94.0 | 92.8 | 94.2 | 96.3 | 96.6 |
Balance Sheet
Total Assets$5.0B
Total Deposits$4.3B
Total Loans$4.2B
Total Equity$527.2M
Profitability
ROA1.36%
ROE13.54%
Efficiency Ratio51.58%
Net Income$67.4M
Risk & Asset Quality
NPL Ratio0.71%
Charge-off Rate0.23%
Loan/Deposit96.58%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans