Is Southern Bcorp Bank Safe?
Southern Bcorp Bank has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (57/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 18.41% | 100/100 |
| Nonperforming Loan Ratio | 0.75% | 85/100 |
| Liquidity Ratio | 29.30% | 97/100 |
| Return on Assets | 0.92% | 57/100 |
| Total Assets | $2.6B | |
How does Southern Bcorp Bank compare?
With a Bank Health Score of 91/100, Southern Bcorp Bank sits 21.0 points above the national average of 70/100 for FDIC-insured banks. Within Arkansas, where 57 FDIC-insured banks are headquartered, Southern Bcorp Bank ranks above the state average of 66/100 (Grade B).
The bank's Tier 1 capital ratio of 18.41% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.75% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Southern Bcorp Bank's Bank Health Score fell by 2.0 points to 91/100. Tier 1 capital weakened by 0.32 percentage points to 18.41%. Quarter-over-quarter, the score fell by 1.0 points.
Southern Bcorp Bank has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (57/100).