Southern Bancorp Bank
Arkadelphia, AR
IDRSSD: 852544
Total Assets
$2.75B
Latest filing
Total Deposits
$2.09B
Latest filing
Net Interest Margin
3.80%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 03/01/1884 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 71923 |
| State and County Number | 05019 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Arkadelphia, AR |
Operational Info
| Number of Employees | 514 |
| Domestic Offices | 57 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 02/18/2023 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.banksouthern.com |
| Data Updated | 11/14/2025 |
| CERT | 1528 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.75B |
| Total Deposits | $2.09B |
| Total Liabilities | $2.37B |
| Total Equity Capital | $379.71M |
| Net Income | $6.50M |
| Net Loans and Leases | $1.81B |
| Assets Per Employee ($Millions) | $5.21M |
| Bank Premises and Fixed Assets | $45.83M |
| Cash and Balances due from Depository Institutions | $129.39M |
| Deposits Held in Domestic Offices | $2.09B |
Key Performance Ratios
| Return on Assets (ROA) | 0.94% |
| Return on Equity (ROE) | 6.95% |
| Net Interest Margin | 3.8% |
| Efficiency Ratio | 71.16% |
| Tier 1 Risk-Based Capital Ratio | 18.579% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.811% |
| Earning Assets to total Assets | 89.85% |
Income and Expense
| Total Interest Income | $36.13M |
| Total Noninterest Income | $3.77M |
| Total Interest Expense | $12.58M |
| Total Noninterest Expense | $19.44M |
| Net Interest Income | $23.55M |
| Pre-tax Net Operating Income | $7.13M |
| Provision for Credit Losses | $750.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $190.00k |
| Other borrowed funds | $234.49M |
| Federal Funds Sold & Reverse Repurchase Agreement | $58.00k |
| Federal Funds Purchased and Repurchased Agreement | $15.70M |
| All Other Liabilities | $27.09M |
| Total Liabilities and Capital | $2.75B |
Securities
| Securities | $574.91M |
| Available-for-sale debt securities | $210.75M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $364.16M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Southern Bancorp Bank?
$2.75B as of the latest filing.
How much are Southern Bancorp Bank's total deposits?
$2.09B in total deposits.
Where is Southern Bancorp Bank located?
Arkadelphia, AR.
What is the Net Interest Margin?
3.80%.
How many domestic offices does it operate?
57.
When was it established?
03/01/1884.
What is the Return on Assets (ROA)?
0.94%.
How much are total loans and leases?
$1.81B (latest filing).
What is the total interest income (latest filing)?
$36.13M.