Southern Bank (FDIC #28332): Bank Stress & Real-Estate Credit Exposure
Southern Bank (FDIC Cert #28332): bank stress 58/100, moderate, STABLE over 7 days; parent SOUTHERN MISSOURI BCORP INC.
Southern Bank (#28332) lends in 36 counties across 4 states; Southern Bank (#28332) reaches 551 ZIP codes: Missouri 28 counties, 428 ZIPs; Arkansas 5 counties, 69 ZIPs; Illinois 2 counties, 19 ZIPs; Kansas 1 county, 35 ZIPs.
Southern Bank (#28332) largest markets: Jackson County, MO (58 branches, 58 ZIPs) (#28332), St. Louis County, MO (94 branches, 47 ZIPs) (#28332), Johnson County, KS (35 branches, 35 ZIPs) (#28332), Jefferson County, MO (25 branches, 25 ZIPs) (#28332), Clay County, MO (69 branches, 23 ZIPs) (#28332), Greene County, MO (69 branches, 23 ZIPs) (#28332).
Southern Bank (#28332) reports $5.19 billion in total assets; Southern Bank (#28332) equity $542.1 million (10.5% of Southern Bank (#28332) assets); Southern Bank (#28332) domestic deposits $4.42 billion; Southern Bank (#28332) net income $39.0 million; Southern Bank (#28332) return on assets 1.53%; Southern Bank (#28332) return on equity 14.63%; Southern Bank (#28332) net interest income $88.2 million; Southern Bank (#28332) call report June 30, 2026.
Southern Bank (#28332) noncurrent real-estate loans 0.01% of its book; Southern Bank (#28332) residential 0.02%; Southern Bank (#28332) net charge-offs on real estate 0.45%; Southern Bank (#28332) residential charge-offs 0.33%.
Southern Bank (#28332) net interest margin 3.71% against an eight-quarter Southern Bank (#28332) average of 3.54% (Southern Bank (#28332) compression -0.17 points); Southern Bank (#28332) real-estate loans 1.1% of equity; Southern Bank (#28332) non-residential real estate 33.3% of equity; Southern Bank (#28332) rate-exposure score 40/100, Southern Bank (#28332) fixed-rate trap 40/100; Southern Bank (#28332) risk type credit driven; Southern Bank (#28332) rate regime rates elevated, Southern Bank (#28332) snapshot October 19, 2026.
Southern Bank (#28332) stress score moved from 58.8 on June 22, 2026 to 58.4 on October 19, 2026; Southern Bank (#28332) ranged 58.4 to 58.8 over 116 snapshots.
Southern Bank (#28332) alerts: 36 counties; top Southern Bank (#28332) alert scores: Jackson County, MO 34 (low); Ozark County, MO 27 (low); Macon County, MO 25 (low); Anna County, MO 20 (low); Arnold County, MO 20 (low).