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!

Posted by: |

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

Posted by: |

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

Posted by: |

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

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Health

Health Grade Components

Overall
FDIC Certificate #28332
Year Established1887
Employees693
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.08%
Return on Equity - YTD11.59%
Annual Interest Income$218.9MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$4.59B$3.42B
LoansQ4 2023vs Q4 2022$3.68B$2.96B
DepositsQ4 2023vs Q4 2022$4.01B$3.02B
Equity CapitalQ4 2023vs Q4 2022$426.1MM$320.1MM
Loan Loss AllowanceQ4 2023vs Q4 2022$50.1MM$37.5MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$5.1MM$4.6MM
Real Estate OwnedQ4 2023vs Q4 2022$3.8MM$1.8MM
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--First-Time Home Buyers Savings

Southern Bank Checking Account Rates

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

Availability

Paducah Area

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