Bank · FDIC insured
Southern Bank
A $5.2B bank, the 279th largest of 4,207, headquartered in Poplar Bluff, MO, with 66 branches in 4 states. Best rates: savings 1.00% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- Savings841.00%at $1,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Southern Bank
Founded in 1887, Southern Bank is owned by its holding company, Southern Missouri Bancorp, Inc.
After becoming a publicly traded company in 1994, the bank serves more than 50 communities across Missouri, Arkansas, Illinois, and Kansas.
- Headquarters
- 2991 Oak Grove Rd, Poplar Bluff, MO 63901
- FDIC certificate
- 28332 ↗
Branches
66 branches in 4 states
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Missouri
54 branches
Springfield area · 9
- Clever Facility7410 Missouri 14, Clever, MO 65631Directions
- Marshfield Facility1292 Banning St, Marshfield, MO 65706Directions
- Fremont Hills Facility9005 Sawgrass Ave, Nixa, MO 65714Directions
- Nixa - Mt Vernon Facility305 W Mount Vernon St, Nixa, MO 65714Directions
- Ozark Facility2471 W Jackson St, Ozark, MO 65721Directions
- Rogersville Facility Branch175 Johnstown Dr, Rogersville, MO 65742Directions
- Springfield - Republic Rd Facility Branch3000 W Republic Rd, Springfield, MO 65807Directions
- Springfield - S. National Facility Branch4308 S National Ave, Springfield, MO 65810Directions
- Springfield - Sunshine Facility Branch2911 E Sunshine St, Springfield, MO 65804Directions
Poplar Bluff area · 5
- Southern BankMain office2991 Oak Grove Rd, Poplar Bluff, MO 63901Directions
- Poplar Bluff - Pp Highway Facility Branch4214 Highway Pp, Township Line Road, Poplar Bluff, MO 63901Directions
- Poplar Bluff - Vine Street Facility Branch531 Vine St, Poplar Bluff, MO 63901Directions
- Poplar Bluff-Westwood Facility2001 N Westwood Blvd, Poplar Bluff, MO 63901Directions
- Qulin Facility13371 Highway 53, Qulin, MO 63961Directions
Kansas City area · 5
- Kansas City - North Oak Facility Branch8405 N Oak Trfy, Kansas City, MO 64155Directions
- Kansas City Barry Rd Facility Branch7553 Nw Barry Rd, Kansas City, MO 64153Directions
- Kearney Facility Branch2041 Commerce Dr, Kearney, MO 64060Directions
- Lee'S Summit Facility Branch1150 Ne Douglas St, Lee's Summit, MO 64086Directions
- Smithville Facility Branch100 Northeast State Highway 92, Smithville, MO 64089Directions
St. Louis area · 3
- Arnold Facility Branch3494 Jeffco Blvd, Arnold, MO 63010Directions
- Oakville Facility Branch6121 Telegraph Rd, St. Louis, MO 63129Directions
- Stl-Sunset Hills Branch5232 S Lindbergh Blvd, St. Louis, MO 63126Directions
Sikeston area · 3
- Benton Facility52 Missouri St, Benton, MO 63736Directions
- Chaffee Facility125 E Yoakum Ave, Chaffee, MO 63740Directions
- Sikeston Facility1205 S Main St, Sikeston, MO 63801Directions
Cape Girardeau area · 3
- Cape Girardeau - Kingshighway Facility380 N Kingshighway St, Cape Girardeau, MO 63701Directions
- Cape Girardeau - Williams St Facility3168 William St, Cape Girardeau, MO 63703Directions
- Jackson Facility727 W Main St, Jackson, MO 63755Directions
Chillicothe area · 2
- Chillicothe Drive-Thru Facility Branch515 Washington St, Chillicothe, MO 64601Directions
- Chillicothe Facility Branch515 Washington St, Chillicothe, MO 64601Directions
Dexter area · 2
- Dexter - Market Street Facility Branch303 W Market St, Dexter, MO 63841Directions
- Dexter Facility713 Us 60 Business, Dexter, MO 63841Directions
St. Joseph area · 2
- St. Joseph - Frederick Facility Branch3727 Frederick Boulevard, St. Joseph, MO 64506Directions
- St. Joseph - North Belt Facility Branch5305 N Belt Hwy, St. Joseph, MO 64506Directions
Thayer area · 2
- Thayer Drive-In Facility Branch323 E Walnut St, Thayer, MO 65791Directions
- Thayer Facility116 Chestnut St, Thayer, MO 65791Directions
West Plains area · 2
- West Plains Facility960 Preacher Roe Blvd, West Plains, MO 65775Directions
- West Plains-Porter Wagoner Facility Branch1599 Porter Wagoner Blvd, West Plains, MO 65775Directions
Advance area · 1
- Advance Facility310 N Ruth St, Advance, MO 63730Directions
Alton area · 1
- Alton Facility Branch100 Wallace Dr, Alton, MO 65606Directions
Bloomfield area · 1
- Bloomfield Facility505 Highway 25 South, Bloomfield, MO 63825Directions
Columbia area · 1
- Boonville Facility Branch400 E Spring St, Boonville, MO 65233Directions
Brookfield area · 1
- Brookfield Facility Branch322 S Main St, Brookfield, MO 64628Directions
Doniphan area · 1
- Doniphan Facility302 Washington St, Doniphan, MO 63935Directions
Essex area · 1
- Essex Facility101 Trotter Street, Essex, MO 63846Directions
Branson area · 1
- Forsyth Facility15775 Us Highway 160, Forsyth, MO 65653Directions
Gideon area · 1
- Gideon Facility106 N Main St, Gideon, MO 63848Directions
Kennett area · 1
- Kennett Facility301 1st St, Kennett, MO 63857Directions
Kimberling City area · 1
- Kimberling City Facility11892 State Highway 13, Kimberling City, MO 65686Directions
Macon area · 1
- Macon Facility Branch707 E Briggs Dr, Macon, MO 63552Directions
Maryville area · 1
- Maryville Facility Branch105 N Main St, Maryville, MO 64468Directions
Rolla area · 1
- Rolla Facility Branch210 W 10th St, Rolla, MO 65401Directions
Trenton area · 1
- Trenton Facility Branch816 Main St, Trenton, MO 64683Directions
Van Buren area · 1
- Van Buren Facility502 Main Street, Van Buren, MO 63965Directions
Arkansas
8 branches
Searcy area · 3
- Bald Knob Facility306 S Elm St, Bald Knob, AR 72010Directions
- Bradford Facility5227 Highway 367 N, Bradford, AR 72020Directions
- Searcy Facility2208 E Race Ave, Searcy, AR 72143Directions
Jonesboro area · 2
- Jonesboro South Main Facility1925 S Main St, Jonesboro, AR 72401Directions
- Jonesboro-Nettleton Facility2775 E Nettleton Ave, Jonesboro, AR 72401Directions
Batesville area · 1
- Batesville Facility1583 S Saint Louis St, Batesville, AR 72501Directions
Little Rock area · 1
- Cabot Facility Branch2203a W Main St, Cabot, AR 72023Directions
Paragould area · 1
- Paragould Facility1727 W Kingshighway, Paragould, AR 72450Directions
Illinois
3 branches
Cape Girardeau area · 2
- Cairo Facility Branch800 Washington Ave, Cairo, IL 62914Directions
- Tamms Facility145 Russell St, Tamms, IL 62988Directions
Anna area · 1
- Anna Facility358 S Main St, Anna, IL 62906Directions
Kansas
1 branch
- Leawood Facility Branch4701 College Blvd, Leawood, KS 66211Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.45% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.63% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.53% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $99 | $88 | — |
- CapitalLeverage ratio10.45%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.63%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.53%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$99Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Southern Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.