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 - March 10, 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 - March 10, 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 |
| 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 |
Overview 2026
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 28332 |
| Date Established | 1887 |
| Assets | $ 4.99 billion |
| Loans | $ 4.14 billion |
| Deposits | $ 4.30 billion |
| Capital | $ 513.17 million |
Summary Balance Sheet as of September 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 99.02 million |
| Interest-bearing balances | $ 51.20 million |
| Total securities | $ 453.86 million |
| Federal funds sold and reverse repurchase | $ 25.34 million |
| Net loans and leases | $ 4.14 billion |
| Loan loss allowance | $ 52.08 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 1.01 million |
| Goodwill and other intangibles | $ 23.72 million |
| All other assets | $ 92.68 million |
| Total Assets | $ 4.47 billion |
| LIABILITIES | |
| Total deposits | $ 4.30 billion |
| Interest-bearing deposits | $ 3.77 billion |
| Deposits held in domestic offices | $ 4.30 billion |
| % insured (estimated)" | 79.65% |
| 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 | $ 4.47 billion |
| Shareholders’ Equity | $ 513.17 million |
Summary Income Statement as of September 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 213.57 million |
| Total Interest Expense | $ 90.20 million |
| Net interest income | $ 123.37 million |
| Provision for loan and lease losses | $ 7.93 million |
| Total non interest income | $ 25.12 million |
| Total non interest expense | $ 80.12 million |
| Pre-tax Net Operating Income | $ 29.40 million |
Customer Reviews for Southern Bank
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