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Southern Bancorp Bank

IDRSSD: 852544
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2025-Q2QoQ -3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #852544 2025-Q2 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Watch

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q1 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -9
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -9

The five pillars

Liquidity

StableQoQ -9
77
Sub-score

Liquidity is stable: brokered 7.5%, loans/deposits 84.6%, cash 5.4% of assets.

Cash / Assets
5.41%
Loans / Deposits
84.62%
Brokered %
7.49%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.40%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.45%, CET1 18.45%, leverage 12.52%.

Tier 1 RBC
18.45%
CET1
18.45%
Leverage
12.52%
No watch items at this period.

Asset Quality

StrongQoQ -1
94
Sub-score

Asset quality is strong: Adjusted NPL 0.99%, Texas Ratio 4.9%, NCO YTD 0.17%.

Adjusted NPL
0.99%
Govt-guarantees stripped
Texas Ratio
4.9%
NCO YTD
0.17%
30-89 PD
0.50%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -9
47
Sub-score

Reserves are deteriorating: ALLL 1.03% of loans, coverage 104.9%, true coverage 65.5%.

ALLL / Loans
1.03%
Coverage
104.9%
True Loss Coverage
65.5%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 23:40:08 UTC