About Southern Bank

Southern Bank is a community bank founded in 1887, making it well over a century old, and today operates as a publicly traded institution (through its holding company, Southern Missouri Bancorp, Inc.) since going public in 1994. Following a period of rapid growth starting in 2009, the bank now holds $4.3 billion in assets and serves more than 50 communities across Missouri, Arkansas, Illinois, and Kansas through a large branch network alongside digital banking, offering personal accounts (checking, savings, CDs, mortgages), business banking and financing (agricultural, working capital, equipment, and commercial real estate loans), and wealth and insurance services through its Southern Wealth & Insurance division.

The bank frames its identity around local decision-making and community roots, describing itself as “striving to be exactly what you need, right where you need us” by giving branches flexibility to serve customers at the local level rather than centralizing everything. It emphasizes long-standing relationships and community investment, positioning careers, local lending teams (business and mortgage lenders), and community engagement as central to its brand, alongside a steady push into digital banking innovations to modernize the customer experience.