| Metric | Southern Bancorp Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +5.5% | +3.6 pts |
| Deposit growth (YoY) | +10.0% | +5.1% | +4.9 pts |
| Loan growth (YoY) | +8.9% | +5.9% | +3.0 pts |
| ROA | 0.89% | 1.26% | -0.4 pts |
| ROE | 6.8% | 12.2% | -5.4 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.01B | $2.34B | $1.96B | $375.5M | $12.8M | 0.89% | 3.64% | 1.06% |
| Q1 2026 | $2.81B | $2.17B | $1.83B | $366.8M | $5.7M | 0.82% | 3.67% | 0.96% |
| Q4 2025 | $2.78B | $2.12B | $1.83B | $387.7M | $22.6M | 0.81% | 3.71% | 0.98% |
| Q3 2025 | $2.75B | $2.09B | $1.81B | $379.7M | $16.4M | 0.79% | 3.68% | 0.72% |
| Q2 2025 | $2.76B | $2.12B | $1.80B | $368.5M | $9.9M | 0.72% | 3.63% | 0.66% |
| Q1 2025 | $2.78B | $2.13B | $1.72B | $364.9M | $5.2M | 0.74% | 3.56% | 0.58% |
| Q4 2024 | $2.78B | $2.14B | $1.73B | $357.3M | $21.5M | 0.80% | 3.54% | 0.52% |
| Q3 2024 | $2.74B | $2.10B | $1.71B | $359.8M | $16.1M | 0.81% | 3.46% | 0.59% |
Loan mix (Q2 2026): real estate $1.56B · commercial $193.2M · consumer $39.8M · securities $561.2M
| Ratio | Southern Bancorp Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 1.26% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 12.2% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.6% | 59.0% | 81th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Southern Bancorp Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Southern Bancorp Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Southern Bancorp Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Southern Bancorp Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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