SOUTHERN BCORP BANK

FDIC #1528 · AR · period 20260630

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Total assets1,144,623-1.38% YoY

Total deposits925,301-1.69% YoY

Net loans and leases759,202-3.02% YoY

Return on assets0.83%+6.75% YoY

Return on equity6.75%-1.60% YoY

Net interest margin4.15%+0.76% YoY

Peer position

Return on assets23rdopportunity · n=902

Return on equity15thopportunity · n=894

Net interest margin45thin line · n=902

Equity to assets80thstrength · n=894

Noncurrent loans18thopportunity · n=887

Liquid assets71ststrength · n=895

Brokered deposits33rdin line · n=890

Loans to deposits59thin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,144,623	925,301	759,202	0.83	6.75	4.15
2016-06-30	1,164,098	914,592	787,597	0.87	6.98	4.17
2016-09-30	1,193,503	925,755	802,229	0.90	7.20	4.19
2016-12-31	1,149,088	953,222	776,037	0.87	7.09	4.20
2017-03-31	1,160,597	941,242	782,831	0.78	6.86	4.12
2017-06-30	1,224,595	966,397	840,151	0.90	7.88	4.21
2017-09-30	1,244,097	987,159	864,770	0.90	7.98	4.29
2017-12-31	1,235,070	1,021,931	873,671	0.92	8.09	4.32
2018-03-31	1,230,614	1,013,105	859,775	1.02	8.82	4.25
2018-06-30	1,269,643	979,872	914,996	1.00	8.71	4.21
2018-09-30	1,323,792	1,033,008	958,079	0.98	8.63	4.19
2018-12-31	1,387,751	1,140,295	948,375	0.99	8.74	4.13
2019-03-31	1,360,589	1,113,656	970,200	0.98	8.67	3.85
2019-06-30	1,421,204	1,173,138	1,006,162	1.04	9.16	3.82
2019-09-30	1,461,819	1,209,381	1,017,499	1.02	8.95	3.88
2019-12-31	1,495,986	1,239,254	991,244	0.97	8.54	3.83
2020-03-31	1,484,652	1,226,001	992,263	0.93	8.05	3.62
2020-06-30	1,632,595	1,360,286	1,138,750	0.99	8.69	4.12
2020-09-30	1,602,292	1,309,907	1,145,580	0.94	8.26	3.95
2020-12-31	1,680,692	1,383,004	1,136,405	0.89	7.82	3.82
2021-03-31	1,760,967	1,423,715	1,156,164	0.96	8.83	3.72
2021-06-30	1,963,572	1,639,835	1,279,470	1.00	9.35	3.66
2021-09-30	1,967,438	1,637,772	1,262,781	1.00	9.43	3.62
2021-12-31	2,053,972	1,723,734	1,230,441	0.98	9.27	3.58
2022-03-31	2,068,294	1,743,412	1,237,992	1.03	10.25	3.36
2022-06-30	2,119,804	1,772,614	1,317,749	1.38	14.16	3.41
2022-09-30	2,178,021	1,778,651	1,368,889	1.60	15.38	3.55
2022-12-31	2,258,187	1,933,309	1,355,675	1.43	13.14	3.57
2023-03-31	2,408,041	2,034,722	1,481,046	0.92	6.98	3.54
2023-06-30	2,468,261	1,962,103	1,539,922	0.93	7.07	3.47
2023-09-30	2,531,657	1,978,520	1,555,439	0.90	6.88	3.46
2023-12-31	2,606,845	2,033,394	1,535,268	0.87	6.59	3.49
2024-03-31	2,597,979	2,020,021	1,559,965	0.84	6.35	3.44
2024-06-30	2,638,051	2,014,032	1,643,866	0.80	6.02	3.45
2024-09-30	2,739,322	2,100,968	1,708,667	0.81	6.13	3.46
2024-12-31	2,780,941	2,141,524	1,732,307	0.80	6.12	3.54
2025-03-31	2,781,417	2,133,099	1,722,481	0.74	5.71	3.56
2025-06-30	2,762,621	2,124,098	1,797,428	0.72	5.47	3.63
2025-09-30	2,749,325	2,092,323	1,805,634	0.79	5.97	3.68
2025-12-31	2,779,153	2,118,144	1,828,069	0.81	6.07	3.71
2026-03-31	2,810,125	2,174,637	1,830,826	0.82	6.06	3.67
2026-06-30	3,012,822	2,336,560	1,958,308	0.89	6.80	3.64

Structure and branch footprint

57 current branch locations across 2 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2023-02-18	1	2716828	852544
2021-05-15	1	705444	852544
2017-06-03	1	401447	852544
2014-12-13	1	976842	852544
2010-05-15	1	947543	852544
2010-05-15	1	866943	852544
2009-11-01	1	973140	852544
2009-11-01	1	405641	852544
2009-06-27	1	2928733	852544

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.