Southern Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $400M | $347M | $254M | $31M | $89K | 0.09% | 1.14% | 3.29% | 0.12% |
| Q4 2025 | $371M | $317M | $234M | $31M | $367K | 0.24% | 2.91% | 3.36% | 0.14% |
| Q3 2025 | $361M | $307M | $221M | $31M | $215K | 0.19% | 2.25% | 3.33% | 0.16% |
| Q2 2025 | $350M | $299M | $210M | $29M | $83K | 0.16% | 1.93% | 3.22% | 0.89% |
| Q1 2025 | $337M | $287M | $203M | $28M | $191K | 0.23% | 2.70% | 3.30% | 0.33% |
| Q4 2024 | $338M | $288M | $196M | $28M | $217K | 0.16% | 1.99% | 3.11% | 0.34% |
| Q3 2024 | $332M | $285M | $199M | $28M | $128K | 0.12% | 1.56% | 3.04% | 0.60% |
| Q2 2024 | $318M | $275M | $195M | $27M | $80K | 0.11% | 1.37% | 2.93% | 0.50% |
| Q1 2024 | $306M | $272M | $181M | $22M | $82K | 0.11% | 1.49% | 2.87% | 0.97% |
| Q4 2023 | $295M | $258M | $182M | $22M | $191K | 0.16% | 1.90% | 3.35% | 0.95% |
| Q3 2023 | $264M | $237M | $170M | $21M | $-15K | 0.12% | 1.37% | 3.35% | 0.48% |
| Q2 2023 | $250M | $223M | $159M | $22M | $83K | 0.20% | 2.16% | 3.50% | 0.50% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.