Call reports 2026
SOUTHERN BANK — 2026
What SOUTHERN BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 400,195,000 | 407,877,000 |
| Total loans | 256,611,000 | 265,095,000 |
| Allowance for loan losses | 2,558,000 | 2,716,000 |
| Securities available for sale | 79,979,000 | 82,701,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 346,935,000 | 358,383,000 |
| Interest-bearing deposits | 310,129,000 | 321,302,000 |
| Noninterest-bearing deposits | 36,806,000 | 37,081,000 |
| Equity capital | 31,018,000 | 32,148,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 5,531,000 | 11,355,000 |
| Interest expense | 2,612,000 | 5,401,000 |
| Net interest income | 2,919,000 | 5,954,000 |
| Noninterest income | 281,000 | 634,000 |
| Noninterest expense | 2,943,000 | 6,037,000 |
| Provision for loan losses | 150,000 | 300,000 |
| Pretax income | 107,000 | 251,000 |
| Income tax | 18,000 | 45,000 |
| Net income | 89,000 | 206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 33,299,000 | 33,418,000 |