Southern Bancorp Bank
Arkadelphia, AR
IDRSSD: 852544
Total Assets
$2.78B
Latest filing
Total Deposits
$2.12B
Latest filing
Net Interest Margin
3.81%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
082901334ARKADELPHIA, AR
Key People
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Locations
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Main Office
Southern Bancorp Bank
601 Main St
Arkadelphia, AR 71923
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/01/1884FDIC Certificate 1008
Branches (56)
Page 1 of 8| Name | Address | City / State |
|---|---|---|
| Southern Bancorp Bank (Main) | 601 Main St | Arkadelphia, AR |
| SECOND AVE. BRANCH | 2nd And Forest Street | Shelby, MS |
| HAMBURG BRANCH | 210 N Main St | Hamburg, AR |
| MAIN STREET BRANCH | 128 Main Street | Elaine, AR |
| WEST PINE BRANCH | 2500 Pine St | Arkadelphia, AR |
| BISMARCK BRANCH | 6764 Arkansas 7 | Bismarck, AR |
| ROUND BRANCH | 432 N Sebastian | West Helena, AR |
| LAMBERT BRANCH | 815 Darby Avenue | Lambert, MS |
Showing 7 of 56
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 | 528 |
| 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 | 01/30/2026 |
| CERT | 1528 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.78B |
| Total Deposits | $2.12B |
| Total Liabilities | $2.39B |
| Total Equity Capital | $387.68M |
| Net Income | $6.13M |
| Net Loans and Leases | $1.83B |
| Assets Per Employee ($Millions) | $5.35M |
| Bank Premises and Fixed Assets | $47.06M |
| Cash and Balances due from Depository Institutions | $144.86M |
| Deposits Held in Domestic Offices | $2.12B |
Key Performance Ratios
| Return on Assets (ROA) | 0.89% |
| Return on Equity (ROE) | 6.39% |
| Net Interest Margin | 3.81% |
| Efficiency Ratio | 66.69% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.27% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.95% |
| Earning Assets to total Assets | 90.25% |
Income and Expense
| Total Interest Income | $36.17M |
| Total Noninterest Income | $5.16M |
| Total Interest Expense | $12.44M |
| Total Noninterest Expense | $19.27M |
| Net Interest Income | $23.74M |
| Pre-tax Net Operating Income | $7.72M |
| Provision for Credit Losses | $1.90M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $1.70M |
| Other borrowed funds | $234.40M |
| Federal Funds Sold & Reverse Repurchase Agreement | $58.00k |
| Federal Funds Purchased and Repurchased Agreement | $15.15M |
| All Other Liabilities | $23.77M |
| Total Liabilities and Capital | $2.78B |
Securities
| Securities | $564.31M |
| Available-for-sale debt securities | $201.94M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $362.38M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Southern Bancorp Bank?
$2.78B as of the latest filing.
How much are Southern Bancorp Bank's total deposits?
$2.12B in total deposits.
Where is Southern Bancorp Bank located?
Arkadelphia, AR.
What is the Net Interest Margin?
3.81%.
How many domestic offices does it operate?
57.
When was it established?
03/01/1884.
What is the Return on Assets (ROA)?
0.89%.
How much are total loans and leases?
$1.83B (latest filing).
What is the total interest income (latest filing)?
$36.17M.