BlastPoint's Banking Scorecard
Southern Bancorp Bank
Community
Specialty: Commercial
AR
FDIC cert 1528
Arkadelphia, AR
1484
banks in Community tier nationally
33 in AR
View Community leaderboard (AR) →
Southern Bancorp Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 14% in Community
- - Flatlined Growth: Bottom 23% in Community
- - Deposit Outflow: Bottom 28% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.8B
-0.1% YoY
+1.1% QoQ
|
+$1.4B |
$1.4B
+2.0% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
Top 11% in tier |
| Total Loans ? |
$1.8B
+5.5% YoY
+1.2% QoQ
|
+$852.6M |
$975.5M
+2.4% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$2.1B
-1.1% YoY
+1.2% QoQ
|
+$953.5M |
$1.2B
+1.7% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
Top 14% in tier |
| Return on Assets ? |
0.81%
+1.5% YoY
+2.9% QoQ
|
-0.35% |
1.16%
+17.2% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
3.71%
+4.9% YoY
+0.7% QoQ
|
+0.05% |
3.66%
+9.1% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
54% |
| Efficiency Ratio ? |
73.23%
-2.0% YoY
-3.1% QoQ
|
+10.60% |
62.63%
-5.3% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
20% |
| Delinquency Rate ? |
1.40%
+88.5% YoY
+28.8% QoQ
|
+0.78% |
0.63%
+18.3% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
86.31%
+6.7% YoY
+0.0% QoQ
|
+3.24% |
83.06%
+0.3% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
20.01%
-8.5% YoY
-7.8% QoQ
|
-1.03% |
21.05%
-0.9% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.98%
+89.6% YoY
+36.2% QoQ
|
+0.49% |
0.50%
+20.3% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-10.24% |
10.24%
-0.6% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.57%
+14.2% YoY
+46.3% QoQ
|
-0.17% |
0.74%
-1.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
58% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Capital Thin
risk
#60 of 432 · Bottom 14% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
Flatlined Growth
risk
#58 of 245 · Bottom 23% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.81%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#71 of 248 · Bottom 28% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Total Assets
Current: $2.8B · Tier avg: $1.4B
86
86th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M
86
86th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
58
58th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.74%
54
54th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.66%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 20.01% · Tier avg: 21.05%
46
46th pctile
Loan-to-Deposit Ratio
Current: 86.31% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
26
26th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.16%
20
20th pctile
Efficiency Ratio
Current: 73.23% · Tier avg: 62.63%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.98% · Tier avg: 0.50%
17
17th pctile
Delinquency Rate
Current: 1.40% · Tier avg: 0.63%
Top Weaknesses
17
17th pctile
Delinquency Rate
Current: 1.40% · Tier avg: 0.63%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.98% · Tier avg: 0.50%
20
20th pctile
Efficiency Ratio
Current: 73.23% · Tier avg: 62.63%
26
26th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
46
46th pctile
Loan-to-Deposit Ratio
Current: 86.31% · Tier avg: 83.06%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 20.01% · Tier avg: 21.05%
54
54th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.66%
58
58th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.74%
86
86th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
86
86th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M
89
89th pctile
Total Assets
Current: $2.8B · Tier avg: $1.4B