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Southern Bank

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Southern Bank Rates & Review April 2026

Q: How many branches does Southern Bank operate?

Southern Bank currently maintains approximately 70 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Southern Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Southern Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 18, 2026

You can compare Southern Bank rates to other rates in our database, including 12-month CD rates currently at 0.10%, 6-month CD rates at 3.71% and 3-month CD rates at 2.00%. Savings rates are at 0.03% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.56%. All these rates can be compared to Southern Bank rates. MonitorBankRates evaluates the financial stability of Southern Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.61%. Rates were last updated on 04/18/2026.

Southern Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Southern Bank? Share your experience about Southern Bank by leaving a review below, or read customer reviews before you decide to use Southern Bank.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.61%

Excellent Lower than avg

Southern Bank

2991 Oak Grove Rd
Poplar Bluff, MO 63901

https://www.bankwithsouthern.com

Current Rate Availability

We do not have Southern Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Southern Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Southern Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Southern Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Southern Bank

Bank Holding Company SOUTHERN MISSOURI BCORP INC

Address 2991 Oak Grove Rd, Poplar Bluff, MO 63901 · Butler

Website https://www.bankwithsouthern.com

FDIC Certificate # 28332

Established 01/01/1887

FDIC Insurance Date 08/09/1989

Domestic Offices 70

Total Branches 70

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.61%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0621%

Return on Equity (ROE) 11.3700%

Non-Performing Loans (NPL) 0.11%

Total Assets $5,043,770,000

Total Deposits $4,321,308,000

Equity Capital $527,168,000

Net Income $67,421,000

Headquarters Poplar Bluff

Total Offices 70

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Southern Bank

Is Southern Bank a safe place to deposit money?

Yes, Southern Bank is considered a safe financial institution. With a Texas Ratio of 2.6087972371428%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Southern Bank operate?

Southern Bank currently maintains approximately 70 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Southern Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Southern Bank provides members with tools to manage their accounts and build a solid financial history.

Does Southern Bank offer online and mobile banking?

Most modern institutions like Southern Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bankwithsouthern.com.