Southern Bank
Poplar Bluff, MO
IDRSSD: 272272
Total Assets
$4.99B
Latest filing
Total Deposits
$4.30B
Latest filing
Net Interest Margin
3.67%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Southern Bank
2991 Oak Grove Rd
Poplar Bluff, MO 63901
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1887FDIC Certificate 41166
Branches (69)
Page 1 of 10| Name | Address | City / State |
|---|---|---|
| Southern Bank (Main) | 2991 Oak Grove Rd | Poplar Bluff, MO |
| NIXA - MT VERNON FACILITY | 305 W Mount Vernon St | Nixa, MO |
| BROOKFIELD FACILITY BRANCH | 322 S Main St | Brookfield, MO |
| TAMMS FACILITY | 145 Russell St | Tamms, IL |
| SPRINGFIELD - REPUBLIC RD FACILITY BRANCH | 3000 W Republic Rd | Springfield, MO |
| CLEVER FACILITY | 7410 Missouri 14 | Clever, MO |
| FORSYTH FACILITY | 15775 Us Highway 160 | Forsyth, MO |
| QULIN FACILITY | 13371 Highway 53 | Qulin, MO |
Showing 7 of 69
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1887 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 63901 |
| State and County Number | 29023 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Poplar Bluff, MO |
Operational Info
| Number of Employees | 719 |
| Domestic Offices | 69 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 02/25/2023 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.bankwithsouthern.com |
| Data Updated | 11/14/2025 |
| CERT | 28332 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $4.99B |
| Total Deposits | $4.30B |
| Total Liabilities | $4.47B |
| Total Equity Capital | $513.17M |
| Net Income | $16.18M |
| Net Loans and Leases | $4.14B |
| Assets Per Employee ($Millions) | $6.92M |
| Bank Premises and Fixed Assets | $94.80M |
| Cash and Balances due from Depository Institutions | $99.02M |
| Deposits Held in Domestic Offices | $4.30B |
Key Performance Ratios
| Return on Assets (ROA) | 1.3% |
| Return on Equity (ROE) | 12.8% |
| Net Interest Margin | 3.67% |
| Efficiency Ratio | 49.92% |
| Tier 1 Risk-Based Capital Ratio | 12.063% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.36% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.293% |
| Earning Assets to total Assets | 93.68% |
Income and Expense
| Total Interest Income | $73.02M |
| Total Noninterest Income | $8.04M |
| Total Interest Expense | $30.22M |
| Total Noninterest Expense | $26.23M |
| Net Interest Income | $42.80M |
| Pre-tax Net Operating Income | $20.11M |
| Provision for Credit Losses | $4.50M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $1.01M |
| Other borrowed funds | $102.05M |
| Federal Funds Sold & Reverse Repurchase Agreement | $25.34M |
| Federal Funds Purchased and Repurchased Agreement | $20.00M |
| All Other Liabilities | $50.31M |
| Total Liabilities and Capital | $4.99B |
Securities
| Securities | $453.86M |
| Available-for-sale debt securities | $453.86M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Southern Bank?
$4.99B as of the latest filing.
How much are Southern Bank's total deposits?
$4.30B in total deposits.
Where is Southern Bank located?
Poplar Bluff, MO.
What is the Net Interest Margin?
3.67%.
How many domestic offices does it operate?
69.
When was it established?
01/01/1887.
What is the Return on Assets (ROA)?
1.3%.
How much are total loans and leases?
$4.14B (latest filing).
What is the total interest income (latest filing)?
$73.02M.