# SOUTHERN BANK
POPLAR BLUFF, MO · FDIC certificate 28332 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $5.19B | |
| Deposits | $4.42B | |
| Loans and leases | $4.39B | |
| Total equity | $542.1M | |
| Loans / deposits | 98.13% (p81 of band) | 87.10% |
| Liquid assets / assets | 10.45% (p7 of band) | |
| Uninsured deposits / deposits | 18.89% (p15 of band) | 30.76% |
| Brokered deposits | 5.60% | |
| Wholesale funding | 8.51% (p59 of band) | |
| FHLB advances / assets | 2.51% | |
| Tier 1 leverage | 10.45% (p49 of band) | 10.50% |
| Unrealized securities loss / equity | -2.30% (p78 of band) | -7.75% |
| AOCI / equity | -0.21% (p56 of band) | |
| ROA (annualized) | 1.53% (p71 of band) | 1.26% |
| Net interest margin | 3.71% (p51 of band) | 3.70% |
| Efficiency ratio | 49.89% (p24 of band) | |
| Noncurrent loans | 0.63% (p59 of band) | 0.51% |
| Net charge-offs (annualized) | 0.18% (p85 of band) | |
| Reserve coverage of noncurrent | 198.56% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 57.18% (p60 of band) | |
| Auto loans | $21.6M (0.49% of loans; DQ 0.68%, NCO 0.00%) | |
| Loans to nondepository financials | $32.7M (6% of equity) (p84 of band) | |
| Deposits YoY | 2.8% | |
| Employees | 729 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 1 | loans exceed deposits |  |
| 2012-12 | 0 |  | loans exceed deposits |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 1 | loans exceed deposits |  |
| 2013-12 | 2 | wholesale funding >15% |  |
| 2014-03 | 1 | capital falling | loans exceed deposits, wholesale funding >15% |
| 2014-06 | 1 | loans exceed deposits | capital falling |
| 2014-09 | 2 | wholesale funding >15% |  |
| 2014-12 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | loans exceed deposits |  |
| 2015-12 | 0 |  | loans exceed deposits |
| 2016-03 | 0 |  |  |
| 2016-06 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2016-09 | 4 | liquid assets <10%, capital falling |  |
| 2016-12 | 2 |  | loans exceed deposits, liquid assets <10% |
| 2017-03 | 2 | brokered >10% | capital falling |
| 2017-06 | 1 |  | wholesale funding >15% |
| 2017-09 | 3 | wholesale funding >15%, liquid assets <10% |  |
| 2017-12 | 1 |  | wholesale funding >15%, liquid assets <10% |
| 2018-03 | 1 | liquid assets <10% | brokered >10% |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | loans exceed deposits |  |
| 2018-12 | 1 | reserve under noncurrent | liquid assets <10%, loans exceed deposits |
| 2019-03 | 2 | liquid assets <10% |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | reserve under noncurrent |
| 2019-12 | 2 | loans exceed deposits |  |
| 2020-03 | 0 |  | liquid assets <10%, loans exceed deposits |
| 2020-06 | 2 | liquid assets <10%, capital falling |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 0 |  | liquid assets <10% |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2022-12 | 2 |  | loans exceed deposits |
| 2023-03 | 0 |  | capital falling, liquid assets <10% |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | capital falling |  |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-08 [Southern Bank extends beyond banking, bringing insurance and wealth planning to St. Louis businesses and families - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPTkQyM1hRclZyVE9GbkV0T1UxbUMybnFaemhjb1FIeXFRODRaYkJXcnZOb3dyQWgtbEFKZDhnU3RSWXBFdW5HRjlHS01pSlVKajhsOVhjU1otUm9vOW0wLTlsLTNuUDdMaG42emFDWENKMGdyYXpzSUVMZ1pJWUhYb0hkaVhnLV9BWDM2VmRUbUhXR1VsV1p3Zk5sWmItS2xyblhwS0NvNjM?oc=5) · The Business Journals
- 2026-07-07 [Great Southern Bank to close 2 Kansas City-area branches among series of closures - KSHB 41 Kansas City](https://news.google.com/rss/articles/CBMiugFBVV95cUxNOVpub0JsU3Y1S2xYYW44UlVpWS1ZOXl2WlJmeWdHaGlvcWdCUExXZjU2eV9Zb0VINHdiQms1eFJsRWthSFFwd3dNQ29PQ2xYcTlHQ3lXQlVzejJvV3lQTENfbFkxRTRaR2VDdzNlcC1ROXhYUXZBeU1DbnhHTy1tZEFGdzFZNEFpREk5cnk4S0NEd1E5dWlTT0hvTDlfZTlJTzR3SUJaZEZWQWFqQXZILTlqbm5kOW16dmc?oc=5) · KSHB 41 Kansas City
- 2026-06-30 [Great Southern Bank to close Springfield, Ozark and Nixa branches Oct. 1 - KY3](https://news.google.com/rss/articles/CBMimwFBVV95cUxPaUNERjFvUWlReFRRdm9ZMzBfMklaYnZpNU5ualU0SUZtVkswVjM2TVpheW13djc4LU9ERGpjWGFFaUZTR2laeGd4aENLRXREcEdibkxDMEdmeGtrVEd5SFljZnRpeXo2a0t4ZzRuX29heVE0YlkxbUdJZlowallFVjhLaTVsMFZicVV6Mzc5WGlfcW1waHVlb3pzZ9IBrwFBVV95cUxOZW9qRXduM1ZaNXZ2d2JqcTRXS0dwU2F0SU1TbjJCSS02Q2pjRk93QUxialRJWjhWZzFwQVZEd1VSZF82QWJHcVlzUjVVdW91R2NxUEFyNXJ3Z0xiNUpZdlpxTWFKRU5uaE1SeGJORldaTGJ4RkNXYzdOUFB1VWVvalZDRmF3M2dIS08ybHE5SmNTQ24tRWRmZHIyU0hhMlVnblFtRjVYSVI5ZUtQVUtv?oc=5) · KY3
- 2026-08-13 [Great Southern Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMidkFVX3lxTFBLcl9LOU82Y0FYVHZvMVpZeVVaeXNCb1dxRW96U2tIRmZRR0NFS2dlTW9MMXlnQWNqZWh0Ry1tUUV5Yk9oVmxOUlF2RzlfTjM3ekJ6SHRlME8xYVc0N2ZFSERKRGlLZkNtX2lSYkwwYzNaZWIyV0E?oc=5) · reveliolabs.com
- 2026-07-01 [Great Southern Bank to close 9 branches, cut 66 jobs in restructuring - Springfield Daily Citizen](https://news.google.com/rss/articles/CBMidkFVX3lxTE96eVpSSWJqaVhzWkdXcnFjU3VGYWxadC1wQ29fZE94eTM4bGZDWldOMHllQzN6TXVXVzBaQy1xeDBxbHFfRVhNRnRTYmcwNEp2SmxzQU14N3p5QkhzMnZReGhYUzJ5bEFZN2tNR0g1YkhoXzRGc0E?oc=5) · Springfield Daily Citizen
- 2026-07-07 [Great Southern Bank announces layoffs in Kansas City metro in multi-state reduction - FOX4KC.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxOaHJmRVZWSldiaDlURU1PSnVwMmxnNGNTUkVKYVpDWlhqblF6SzVPZjF6eDJhN1JqOElJc2FndkNVUnNuRnNlZVZTODVWU0lldXppOS1fbE50aXlIeEZBNjk1d3NZM2FfTGNRVS1tZTZaWE9PYlRkNm1GcVJpdWhqbHJ1enZLTnV0eWFGTm9NMWNNcGkzVWNtbUhONWczWFNaaXYwTGhhMGdnZXcy0gGyAUFVX3lxTE9saHV6MUNqV2lxbkNodUQ0THpOU3g4d2E1ejctWU90aExpOE11TXoyZ3ZJTkVZaE9EVnRaTFp1Wl8yWkFHN1daUHVCWVdQVzhEZjRBZTQ4SzJhdlc2dkZnTWEzamF3dmpLZkwwTG9NWVR6eTlSR1U1bHoxTTVRQklFQTFQS3VkZjVib21pTHRKbGgwRUhVXzUtLS1VN09MWTBFa0xpWFpKWGJMeHQxeHZMTkE?oc=5) · FOX4KC.com
- 2026-01-02 [Open for Business: Great Southern Bank - Springfield Business Journal](https://news.google.com/rss/articles/CBMid0FVX3lxTFA4TjVwWmpSMHZZMEpVS0xwSk9feU5Fam02U1UzWTJfSDBNLUpnTl83aUZvRlpSOVpocHVaSVQ2WkcwRDRDZnVFcDZXa1RxSmRZX1RSWEhydXJCVnpOR014cnVJZm9LYl9KQkQ3S3FmYkNLWDRncXFR?oc=5) · Springfield Business Journal
- 2026-06-18 [Great Southern Bancorp, Inc. Announces Second Quarter 2026 - GlobeNewswire](https://news.google.com/rss/articles/CBMijwJBVV95cUxOdF9CUFdSYjFjUy1uV1VWX1Q3M2dGWEpmc21XbXhsWFBmOXl4QTh4eUlPbktHVGJoWll4VmR6NXhUMjYzcl9FNmxLZ1A4eU9ZVUxydVMyNWZvUXMzNzlaX1BnaFR1bHdFUUNJTnZXLU1tQ1BhQWJsSzc5eVhaT1l2RGJ0X3FOUGhKcGFDNWlRcDZGUFlnajg2ajZsNHBDaUZUelBmZG4xb3NENlkyYmpEZUJ3eXVhTE10Znp3a3hBcmdWTWVGNVBYcmhhQ2RoTW5IZ0RFMXFiajFiOUs1V1dIUkh6TTQtd1NUVWEtTzU1dlZzekdXUWU2RWxxT0FIUkE0MWNVLUJfbF9MU1d4Vi1j?oc=5) · GlobeNewswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28332 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/44.json (key "28332", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide