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Southern Bank

Popular Accounts at this Bank

3.01%Reward CheckingKasasa Cash
0.15%SavingsNo Checks Account
1.01%CheckingPremium 50 Plus Checking

Overview / Commentary
531 Vine Street
Poplar Bluff, MO 63901

Southern Bank is headquartered in Poplar Bluff and is the 16th largest bank in the state of Missouri. It is also the 470th largest bank in the nation. It was established in 1887 and as of June of 2017, it had grown to 328 employees at 46 locations. Southern Bank's money market rates are 70% higher than the national average, and it boasts an A+ health rating.

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Reviews (2)

Worst Bank Ever

This is the worst bank I have had the displeasure of dealing with. If you are a person that has a low income and live penny to penny, don't deal with them. Never do overdraft either. They "rearrange" things in your account so they can get the maximum overdraft charges. Bank of America was sued for this. They will lock your account even when it has money in it and tell you it's a "safety feature" and not let you access your money. You can complain and they will take messages and nobody will respond. I filed a better business bureau complaint and nobody responded. Shady bank with shady practices!

Stiffing The Appraiser

Posted by: ApeRazor | Jun 21, 2016

As an appraiser, I've yet to receive payment for an appraisal I did in January 2016. I don't expect payment because I didn't "bring home the bacon" on their deal apparently. So much for the Appraisal Independence Requirement of Dodd-Frank.

Need I remind the appraiser's job is not to rubber stamp the value? It is to provide an independent opinion of value.


Health Grade Components

FDIC Certificate #28332
Year Established1887
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.06%
Return on Equity - YTD11.08%
Annual Interest Income$31.5MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$1.70B$1.40B
LoansQ2 2017vs Q2 2016$1.40B$1.14B
DepositsQ2 2017vs Q2 2016$1.47B$1.12B
Equity CapitalQ2 2017vs Q2 2016$172.2MM$132.5MM
Loan Loss AllowanceQ2 2017vs Q2 2016$15.5MM$13.8MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$2.9MM$5.1MM
Real Estate OwnedQ2 2017vs Q2 2016$3.0MM$3.3MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Southern Bank Savings Account Rates

0.50%*$250k*-Savings Account
OTHER TIERS: 0.25% Up to $25k | 0.35% $25k - $100k | 0.40% $100k - $250k
0.50%--Health Savings Account
0.50%*$15k*-Child/Student Savings
OTHER TIERS: 0.25% Up to $15k
0.25%--Christmas Club
0.15%--No Checks Account

Southern Bank Money Market Rates

0.75%*$250k*-Money Market Passbook Account
OTHER TIERS: 0.25% Up to $25k | 0.40% $25k - $100k | 0.50% $100k - $250k
0.60%*$250k*-MMDA Platinum
OTHER TIERS: 0.25% Up to $50k | 0.40% $50k - $100k | 0.50% $100k - $250k

Southern Bank Checking Account Rates

3.01%*-$15kKasasa Cash
OTHER TIERS: 0.15% $15k+
1.01%*-$10kPremium 50 Plus Checking
OTHER TIERS: 0.15% $10k+
0.30%*$100k*-Small Business Interest Checking
OTHER TIERS: 0.15% Up to $25k | 0.25% $25k - $100k