Southern Bcorp Bank (FDIC #1528): Bank Stress & Real-Estate Credit Exposure
Southern Bcorp Bank (FDIC Cert #1528): bank stress 64/100, elevated, STABLE over 7 days; parent SOUTHERN BCORP INC.
Southern Bcorp Bank (#1528) lends in 26 counties across 2 states; Southern Bcorp Bank (#1528) reaches 281 ZIP codes: Arkansas 16 counties, 179 ZIPs; Mississippi 10 counties, 102 ZIPs.
Southern Bcorp Bank (#1528) largest markets: Pulaski County, AR (72 branches, 36 ZIPs) (#1528), Tallahatchie County, MS (18 branches, 18 ZIPs) (#1528), Bolivar County, MS (36 branches, 18 ZIPs) (#1528), Mississippi County, AR (102 branches, 17 ZIPs) (#1528), Craighead County, AR (17 branches, 17 ZIPs) (#1528), Sunflower County, MS (48 branches, 16 ZIPs) (#1528).
Southern Bcorp Bank (#1528) reports $3.01 billion in total assets; Southern Bcorp Bank (#1528) equity $375.5 million (12.5% of Southern Bcorp Bank (#1528) assets); Southern Bcorp Bank (#1528) domestic deposits $2.34 billion; Southern Bcorp Bank (#1528) net income $12.8 million; Southern Bcorp Bank (#1528) return on assets 0.89%; Southern Bcorp Bank (#1528) return on equity 6.80%; Southern Bcorp Bank (#1528) net interest income $47.2 million; Southern Bcorp Bank (#1528) call report June 30, 2026.
Southern Bcorp Bank (#1528) noncurrent real-estate loans 0.05% of its book; Southern Bcorp Bank (#1528) residential 0.03%; Southern Bcorp Bank (#1528) net charge-offs on real estate 1.38%; Southern Bcorp Bank (#1528) multifamily charge-offs 2.28%; Southern Bcorp Bank (#1528) residential charge-offs 1.13%.
Southern Bcorp Bank (#1528) net interest margin 3.64% against an eight-quarter Southern Bcorp Bank (#1528) average of 3.61% (Southern Bcorp Bank (#1528) compression -0.03 points); Southern Bcorp Bank (#1528) real-estate loans 5.1% of equity; Southern Bcorp Bank (#1528) non-residential real estate 113.2% of equity; Southern Bcorp Bank (#1528) rate-exposure score 40/100, Southern Bcorp Bank (#1528) fixed-rate trap 40/100; Southern Bcorp Bank (#1528) risk type credit driven; Southern Bcorp Bank (#1528) rate regime rates elevated, Southern Bcorp Bank (#1528) snapshot October 19, 2026.
Southern Bcorp Bank (#1528) stress score moved from 61.7 on June 22, 2026 to 64 on October 19, 2026; Southern Bcorp Bank (#1528) ranged 61.7 to 64 over 116 snapshots.
Southern Bcorp Bank (#1528) alerts: 26 counties; top Southern Bcorp Bank (#1528) alert scores: Madison County, AR 41 (moderate); Carriere County, AR 21 (low); El Dorado County, AR 21 (low); Eudora County, AR 21 (low); Glenwood County, AR 21 (low).