Southern Bank is an FDIC insured institution headquartered at
2991 Oak Grove Rd, Poplar Bluff, MO 63901.
Deposit Rates -
April 15, 2025
SAVINGS RATES
APY
MIN
Savings
0.25% $2,500
Compare
CD RATES
APY
MIN
6 Mo CD
0.40% $10,000
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6 Mo CD
0.45% $100,000
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12 Mo CD
0.60% $10,000
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12 Mo CD
0.65% $100,000
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18 Mo CD
0.65% $10,000
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18 Mo CD
0.70% $100,000
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24 Mo CD
0.70% $10,000
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24 Mo CD
0.75% $100,000
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36 Mo CD
0.80% $10,000
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36 Mo CD
0.90% $100,000
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48 Mo CD
0.90% $10,000
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48 Mo CD
1.00% $100,000
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60 Mo CD
1.00% $10,000
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60 Mo CD
1.10% $100,000
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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 15, 2025
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 2025
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 28332
Date Established
1887
Assets
$ 4.86 billion
Loans
$ 3.97 billion
Deposits
$ 4.23 billion
Capital
$ 468.22 million
Summary Balance Sheet as of December 31, 2024
ASSETS
Cash & Balances due from depository institutions
$ 120.94 million
Interest-bearing balances
$ 59.34 million
Total securities
$ 468.04 million
Federal funds sold and reverse repurchase
$ 25.14 million
Net loans and leases
$ 3.97 billion
Loan loss allowance
$ 54.74 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
$ 2.42 million
Goodwill and other intangibles
$ 26.25 million
All other assets
$ 92.68 million
Total Assets $ 4.39 billion
LIABILITIES
Total deposits
$ 4.23 billion
Interest-bearing deposits
$ 3.69 billion
Deposits held in domestic offices
$ 4.23 billion
% insured (estimated)" 80.65%
Federal funds purchased and repurchase agreements
$ 15.00 million
Trading liabilities
N.A.
Other borrowed funds
$ 37.96 million
Subordinated debt
N.A.
All other liabilities
$ 20.08 millionn
Total Liabilities $ 4.39 billion
Shareholders’ Equity $ 468.22 million
Summary Income Statement as of December 31, 2024
INCOME AND EXPENSES
Total Interest Income
$ 265.80 million
Total Interest Expense
$ 119.62 million
Net interest income
$ 146.19 million
Provision for loan and lease losses
$ 4.89 million
Total non interest income
$ 34.54 million
Total non interest expense
$ 106.11 million
Pre-tax Net Operating Income
$ 29.40 million
Customer Reviews for Southern Bank
Branches
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