| Metric | Southern Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +5.5% | -1.1 pts |
| Deposit growth (YoY) | +2.8% | +5.1% | -2.2 pts |
| Loan growth (YoY) | +7.1% | +5.9% | +1.2 pts |
| ROA | 1.53% | 1.26% | +0.3 pts |
| ROE | 14.6% | 12.2% | +2.5 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.19B | $4.42B | $4.34B | $542.1M | $39.0M | 1.53% | 3.71% | 0.64% |
| Q1 2026 | $5.09B | $4.36B | $4.27B | $531.6M | $18.3M | 1.44% | 3.69% | 0.63% |
| Q4 2025 | $5.04B | $4.32B | $4.17B | $527.2M | $67.4M | 1.36% | 3.60% | 0.62% |
| Q3 2025 | $4.99B | $4.30B | $4.14B | $513.2M | $48.8M | 1.32% | 3.57% | 0.54% |
| Q2 2025 | $4.97B | $4.30B | $4.05B | $498.3M | $32.6M | 1.33% | 3.51% | 0.48% |
| Q1 2025 | $4.93B | $4.28B | $3.97B | $483.6M | $16.3M | 1.33% | 3.49% | 0.48% |
| Q4 2024 | $4.86B | $4.23B | $3.97B | $468.2M | $54.8M | 1.18% | 3.38% | 0.22% |
| Q3 2024 | $4.68B | $4.06B | $3.91B | $462.1M | $39.1M | 1.13% | 3.36% | 0.26% |
Loan mix (Q2 2026): real estate $3.56B · commercial $519.8M · consumer $52.4M · securities $450.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Southern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 1.26% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 12.2% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.9% | 59.0% | 23th |
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 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 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 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 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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