BlastPoint's Banking Scorecard

Southern Bank

Mid-Market Specialty: Commercial MO FDIC cert 28332

Poplar Bluff, MO

201 banks in Mid-Market tier nationally 7 in MO

View Mid-Market leaderboard (MO) →

Southern Bank faces 1 concern requiring attention

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 39% in Mid-Market

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Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$5.0B +3.8% YoY +1.2% QoQ	-$5.4B	$10.5B +2.9% YoY	$1.5B +13.3% YoY	$5.9B +6.5% YoY	Bottom 1% in tier
Total Loans ?	$4.2B +5.1% YoY +0.8% QoQ	-$3.0B	$7.1B +4.5% YoY	$962.2M +12.2% YoY	$3.1B +8.5% YoY	20%
Total Deposits ?	$4.3B +2.2% YoY +0.5% QoQ	-$4.2B	$8.5B +3.0% YoY	$1.3B +12.4% YoY	$4.7B +6.3% YoY	Bottom 6% in tier
Return on Assets ?	1.36% +15.6% YoY +3.2% QoQ	+0.20%	1.16% +9.4% YoY	1.34% +11.8% YoY	1.12% +15.6% YoY	67%
Net Interest Margin ?	3.60% +6.5% YoY +1.0% QoQ	+0.20%	3.40% +7.9% YoY	3.96% +8.2% YoY	3.75% +7.1% YoY	54%
Efficiency Ratio ?	51.58% -8.9% YoY -1.2% QoQ	-5.03%	56.60% -3.2% YoY	60.96% -4.9% YoY	65.09% -5.1% YoY	70%
Delinquency Rate ?	0.71% +239.7% YoY +13.0% QoQ	+0.03%	0.68% +12.0% YoY	0.68% +40.2% YoY	0.66% +20.3% YoY	42%
Loan-to-Deposit Ratio ?	96.58% +2.8% YoY +0.3% QoQ	+11.11%	85.47% +1.1% YoY	81.02% +1.1% YoY	78.04% +0.7% YoY	82%
Non-Interest-Bearing Deposit Share ?	12.37% -2.0% YoY -0.4% QoQ	-8.27%	20.64% -0.3% YoY	21.00% +0.9% YoY	21.79% -1.3% YoY	21%
Nonperforming Asset Ratio ?	0.62% +179.9% YoY +14.0% QoQ	+0.12%	0.50% +7.3% YoY	0.56% +46.7% YoY	0.48% +20.8% YoY	32%
Tier 1 Capital Ratio ?	12.20% +6.3% YoY +1.2% QoQ	-1.35%	13.55% +1.8% YoY	8.09% -3.5% YoY	9.75% -1.9% YoY	36%
Non-Interest Income / Assets ?	0.66% -7.1% YoY +31.0% QoQ	-0.30%	0.96% +7.1% YoY	0.63% +2.3% YoY	0.65% +0.6% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (1)

Liquidity Strain

risk

#32 of 80 · Bottom 39% in Mid-Market

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 96.58%

(Tier: 85.47%, National: 78.04%)

better than tier avg

80 of 80 Mid-Market banks match · 609 nationally

→ Stable -4 banks QoQ | QoQ rank improving

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%

Compare against:

Comparing against 201 peers in Mid-Market tier

Top Strengths

Loan-to-Deposit Ratio

Current: 96.58% · Tier avg: 85.47%

82th pctile

Efficiency Ratio

Current: 51.58% · Tier avg: 56.60%

70th pctile

Return on Assets

Current: 1.36% · Tier avg: 1.16%

67th pctile

Net Interest Margin

Current: 3.60% · Tier avg: 3.40%

54th pctile

Non-Interest Income / Assets

Current: 0.66% · Tier avg: 0.96%

50th pctile

Delinquency Rate

Current: 0.71% · Tier avg: 0.68%

42th pctile

Tier 1 Capital Ratio

Current: 12.20% · Tier avg: 13.55%

36th pctile

Nonperforming Asset Ratio

Current: 0.62% · Tier avg: 0.50%

32th pctile

Non-Interest-Bearing Deposit Share

Current: 12.37% · Tier avg: 20.64%

21th pctile

Total Loans

Current: $4.2B · Tier avg: $7.1B

20th pctile

Total Deposits

Current: $4.3B · Tier avg: $8.5B

6th pctile

Total Assets

Current: $5.0B · Tier avg: $10.5B

1th pctile

Top Weaknesses