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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2025-Q3QoQ -2

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

Quarterly Headline

2025-Q3

Bank #852544 2025-Q3 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 46.2% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -12

The five pillars

Liquidity

StableQoQ -1
76
Sub-score

Liquidity is stable: brokered 5.5%, loans/deposits 86.3%, cash 4.7% of assets.

Cash / Assets
4.71%
Loans / Deposits
86.30%
Brokered %
5.51%
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
13.42%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.58%, CET1 18.58%, leverage 13.10%.

Tier 1 RBC
18.58%
CET1
18.58%
Leverage
13.10%
No watch items at this period.

Asset Quality

StrongQoQ -1
93
Sub-score

Asset quality is strong: Adjusted NPL 1.09%, Texas Ratio 5.3%, NCO YTD 0.20%.

Adjusted NPL
1.09%
Govt-guarantees stripped
Texas Ratio
5.3%
NCO YTD
0.20%
30-89 PD
0.46%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -12
35
Sub-score

Reserves are weak: ALLL 1.02% of loans, coverage 94.2%, true coverage 46.2%.

ALLL / Loans
1.02%
Coverage
94.2%
True Loss Coverage
46.2%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.2% (Adjusted NPL + Performing Mods denominator).

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