Southern Bank

Great Bank

I've been a customer for a few years now and they are great place to bank at. I have accounts at least three different banks and they are the best.

Best Interest rate for checking account!

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My experience with Southern Bank has been good. I setup my account with them all online and was relatively easy. They have a smooth mobile app that allows you to access your account anytime you want to. You can deposit checks using the app for easy convenience. The reason I picked this bank was because of their killer interest rate on checking accounts. Currently it's at 3% on up to $15,000. The only catch is you have to do some sort of direct deposit, 12 debit card transactions, and sign-up for paperless statements. It's easy to find 12 things a month to use my debit card on. If you meet all the requirements then they will reimburse you on ATM fees from other banks.

Not A Good Place To Bank-Ozark

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A female employee at my location took it upon herself to speek to me, a 65 year old woman as though she was reprimanding her child. She blamed me (the victim) for my card information being stolen. First off I’m old enough and computer knowledgeable enough to know how to keep my information as safe as can be expected. Come to find out Samsung has a major security issue and my phone was hacked. How totally irresponsible and downright hateful she had while blaming the customer. You should never assume you know how someone lives and protects their personal information. Her attitude is unacceptable but I didn’t get the feeling her supervisor would correct her attitude. Now I’ll be finding a new bank.

Southern Bank Is The Worst

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Southern bank took over my bank and it's been royally screwed up since... Highly don't recommend this bank they're horrible



Health Grade Components

FDIC Certificate #28332
Year Established1887
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.95%
Return on Equity - YTD10.15%
Annual Interest Income$98.9MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$4.31B$3.19B
LoansQ2 2023vs Q2 2022$3.57B$2.69B
DepositsQ2 2023vs Q2 2022$3.74B$2.82B
Equity CapitalQ2 2023vs Q2 2022$404.3MM$306.5MM
Loan Loss AllowanceQ2 2023vs Q2 2022$47.8MM$33.2MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$6.8MM$4.1MM
Real Estate OwnedQ2 2023vs Q2 2022$3.6MM$2.2MM
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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%--First-Time Home Buyers Savings

Southern Bank Checking Account Rates

4.00%*-$25kSouthern Advantage
OTHER TIERS: 1.00% $25k+
1.01%*-$10kSouthern Elite
OTHER TIERS: 0.10% $10k+


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