| Metric | Southern Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.4% | +4.4% | +12.1 pts |
| Deposit growth (YoY) | +19.9% | +4.0% | +15.9 pts |
| Loan growth (YoY) | +25.1% | +5.6% | +19.5 pts |
| ROA | 0.10% | 1.24% | -1.1 pts |
| ROE | 1.3% | 11.9% | -10.6 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $407.9M | $358.4M | $262.4M | $32.1M | $206K | 0.10% | 3.29% | 0.33% |
| Q1 2026 | $400.2M | $346.9M | $254.1M | $31.0M | $89K | 0.09% | 3.29% | 0.25% |
| Q4 2025 | $370.9M | $317.0M | $233.9M | $31.4M | $856K | 0.24% | 3.36% | 0.28% |
| Q3 2025 | $360.8M | $307.1M | $220.9M | $30.6M | $489K | 0.19% | 3.33% | 0.30% |
| Q2 2025 | $350.3M | $298.9M | $209.7M | $28.6M | $274K | 0.16% | 3.22% | 0.78% |
| Q1 2025 | $337.2M | $286.5M | $203.5M | $28.5M | $191K | 0.23% | 3.30% | 0.46% |
| Q4 2024 | $337.6M | $287.8M | $195.5M | $28.1M | $507K | 0.16% | 3.11% | 0.46% |
| Q3 2024 | $331.5M | $285.4M | $199.2M | $28.3M | $290K | 0.12% | 3.04% | 0.59% |
Loan mix (Q2 2026): real estate $235.6M · commercial $26.3M · consumer $3.1M · securities $82.7M
| Ratio | Southern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.10% | 1.24% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 11.9% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.6% | 62.9% | 95th |
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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