Stockholders' Equity and Regulatory Capital (Tables)

12 Months Ended

Jun. 30, 2025

Stockholders' Equity and Regulatory Capital

Schedule of company and Bank's actual and required regulatory capital

									To Be Well Capitalized Under
									Prompt Corrective Action
	Actual				For Capital Adequacy Purposes				Provisions
As of June 30, 2025	Amount		Ratio		Amount		Ratio		Amount		Ratio
(dollars in thousands)
Total Capital (to Risk-Weighted Assets)
Consolidated	$	577,150	13.95	%	$	331,050	8.00	%	$	n/a	n/a
Southern Bank		545,293	13.34	%		326,920	8.00	%		408,650	10.00	%
Tier I Capital (to Risk-Weighted Assets)
Consolidated		517,842	12.51	%		248,288	6.00	%		n/a	n/a
Southern Bank		494,186	12.09	%		245,190	6.00	%		326,920	8.00	%
Tier I Capital (to Average Assets)
Consolidated		517,842	10.61	%		195,249	4.00	%		n/a	n/a
Southern Bank		494,186	10.05	%		196,782	4.00	%		245,977	5.00	%
Common Equity Tier I Capital (to Risk-Weighted Assets)
Consolidated		502,197	12.14	%		186,216	4.50	%		n/a	n/a
Southern Bank		494,186	12.09	%		183,892	4.50	%		265,622	6.50	%

									To Be Well Capitalized Under
									Prompt Corrective Action
	Actual				For Capital Adequacy Purposes				Provisions
As of June 30, 2024	Amount		Ratio		Amount		Ratio		Amount		Ratio
(dollars in thousands)
Total Capital (to Risk-Weighted Assets)
Consolidated	$	524,023	13.23	%	$	316,979	8.00	%	$	n/a	n/a
Southern Bank		496,105	12.68	%		312,877	8.00	%		391,097	10.00	%
Tier I Capital (to Risk-Weighted Assets)
Consolidated		467,027	11.79	%		237,734	6.00	%		n/a	n/a
Southern Bank		447,192	11.43	%		234,658	6.00	%		312,877	8.00	%
Tier I Capital (to Average Assets)
Consolidated		467,027	10.19	%		183,262	4.00	%		n/a	n/a
Southern Bank		447,192	9.79	%		182,723	4.00	%		228,403	5.00	%
Common Equity Tier I Capital (to Risk-Weighted Assets)
Consolidated		451,474	11.39	%		178,300	4.50	%		n/a	n/a
Southern Bank		447,192	11.43	%		175,993	4.50	%		254,213	6.50	%