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Southern Bank

Southern Bank is an FDIC insured institution headquartered at 2991 Oak Grove Rd, Poplar Bluff, MO 63901.
It was founded in 1887 and has approximately $5 billion in assets. Customers can open an account at one of its 46 branches.

Deposit Rates - April 28, 2026

SAVINGS RATES	APY	MIN
Savings	0.25%	$2,500	Compare

CD RATES	APY	MIN
6 Mo CD	0.40%	$10,000	Compare
6 Mo CD	0.45%	$100,000	Compare
12 Mo CD	0.60%	$10,000	Compare
12 Mo CD	0.65%	$100,000	Compare
18 Mo CD	0.65%	$10,000	Compare
18 Mo CD	0.70%	$100,000	Compare
24 Mo CD	0.70%	$10,000	Compare
24 Mo CD	0.75%	$100,000	Compare
36 Mo CD	0.80%	$10,000	Compare
36 Mo CD	0.90%	$100,000	Compare
48 Mo CD	0.90%	$10,000	Compare
48 Mo CD	1.00%	$100,000	Compare
60 Mo CD	1.00%	$10,000	Compare
60 Mo CD	1.10%	$100,000	Compare

MM RATES	APY	MIN
Money Market	0.15%	$2,500	Compare
Money Market	0.15%	$10,000	Compare
Money Market	0.25%	$25,000	Compare

Loan Rates - April 28, 2026

MORTGAGE PURCHASE	APR(%)	MONTHLY PAYMENT
15 Year Fixed Conforming	6.08%	$2,713.33
20 Year Fixed Conforming	6.54%	$2,392.81
30 Year Fixed Conforming	6.12%	$1,943.32
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Pentagon Federal Credit Union

MORTGAGE REFINANCE	APR(%)	MONTHLY PAYMENT
15 Year Fixed Conforming	6.08%	$2,713.33
20 Year Fixed Conforming	6.54%	$2,392.81
30 Year Fixed Conforming	6.12%	$1,943.32
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Pentagon Federal Credit Union

See Other Mortgage Rates →

Overview 2026

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 28332
Date Established	1887
Assets	$ 5.04 billion
Loans	$ 4.17 billion
Deposits	$ 4.32 billion
Capital	$ 527.17 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions	$ 98.87 million
Interest-bearing balances	$ 34.47 million
Total securities	$ 444.97 million
Federal funds sold and reverse repurchase	$ 35.44 million
Net loans and leases	$ 4.17 billion
Loan loss allowance	$ 54.47 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	$ 1.54 million
Goodwill and other intangibles	$ 22.90 million
All other assets	$ 92.68 million
Total Assets	$ 4.52 billion

LIABILITIES
Total deposits	$ 4.32 billion
Interest-bearing deposits	$ 3.79 billion
Deposits held in domestic offices	$ 4.32 billion
% insured (estimated)"	80.61%
Federal funds purchased and repurchase agreements	$ 20.00 million
Trading liabilities	N.A.
Other borrowed funds	$ 37.96 million
Subordinated debt	N.A.
All other liabilities	$ 20.08 millionn
Total Liabilities	$ 4.52 billion
Shareholders’ Equity	$ 527.17 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income	$ 285.79 million
Total Interest Expense	$ 119.18 million
Net interest income	$ 166.61 million
Provision for loan and lease losses	$ 9.61 million
Total non interest income	$ 33.30 million
Total non interest expense	$ 106.52 million
Pre-tax Net Operating Income	$ 29.40 million

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