What is Southern Bancorp Bank's financial health grade?

Southern Bancorp Bank has a TFS Financial Health Grade of D (score: 66.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Southern Bancorp Bank have?

Southern Bancorp Bank has 57 branch locations across the United States.

Is Southern Bancorp Bank FDIC insured?

Yes, Southern Bancorp Bank is FDIC insured (Certificate #1528).

What are the total assets of Southern Bancorp Bank?

Southern Bancorp Bank has total assets of $2.8B as reported in its most recent FDIC filing.

Southern Bancorp Bank

BankArkadelphia, Arkansas

www.banksouthern.com

Total Assets

$2.8B

Total Deposits

$2.1B

Branches

Established

1884

TFS Health Grade

66.0 / 100

Below average financial health

How we grade

Southern Bancorp Bank is a bank headquartered in Arkadelphia, Arkansas, established in 1884. With $2.8B in total assets and 57 branch locations, it has a TFS Financial Health Grade of D (66.0/100).

Capital & Safety

Tier 1 Capital Ratio

12.77%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

1.39%

Profitability

Return on Assets (ROA)

0.81%(1%)

Return on Equity (ROE)

6.07%(10%)

Net Interest Margin

3.71%

Efficiency Ratio

73.23%(60%)

Lending & Liquidity

Total Loans

$1.8B

Loan-to-Deposit Ratio

86.31%

Net Charge-Off Ratio

0.14%

Growth

Asset Growth (YoY)

-0.06%

Deposit Growth (YoY)

-1.09%

Net Income

$22.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Southern Bancorp BankHQ	601 Main St	Arkadelphia	AR	11
Southern Bancorp Bank	2500 Pine St	Arkadelphia	AR	11
Southern Bancorp Bank	6140 Hwy 49	Barton	AR	11
Southern Bancorp Bank	6764 Arkansas 7	Bismarck	AR	11
Southern Bancorp Bank	807 N 6th St	Blytheville	AR	23
Southern Bancorp Bank	120 S 2nd St	Blytheville	AR	11
Southern Bancorp Bank	599 S Air Base Hwy	Blytheville	AR	23
Southern Bancorp Bank	1040 E Main St	Blytheville	AR	23
Southern Bancorp Bank	1012 S Division St	Blytheville	AR	23
Southern Bancorp Bank	220 W Cross St	De Witt	AR	11
Southern Bancorp Bank	128 Main Street	Elaine	AR	11
Southern Bancorp Bank	1615 W Hillsboro St	El Dorado	AR	11
Southern Bancorp Bank	2421 N West Ave	El Dorado	AR	11
Southern Bancorp Bank	2943 S Highway 65	Eudora	AR	11
Southern Bancorp Bank	3 Caddo Crossing Dr	Glenwood	AR	11
Southern Bancorp Bank	600 E Main St	Gurdon	AR	11
Southern Bancorp Bank	210 N Main St	Hamburg	AR	11
Southern Bancorp Bank	502 Cherry St	Helena	AR	11
Southern Bancorp Bank	4138 Central Ave	Hot Springs	AR	11
Southern Bancorp Bank	2212 Malvern Ave	Hot Springs	AR	11
Southern Bancorp Bank	206 Airport Rd	Hot Springs	AR	11
Southern Bancorp Bank	2508 E Highland Dr	Jonesboro	AR	11
Southern Bancorp Bank	400 Hardin Rd	Little Rock	AR	23
Southern Bancorp Bank	3999 W 12th St	Little Rock	AR	11
Southern Bancorp Bank	103 W Main	Lockesburg	AR	11
Southern Bancorp Bank	208 S Ash St	Malvern	AR	11
Southern Bancorp Bank	403 Highway 18 South	Manila	AR	23
Southern Bancorp Bank	205 Block St	Marion	AR	11
Southern Bancorp Bank	911 Highway 49	Marvell	AR	11
Southern Bancorp Bank	506 Highway 270 E	Mount Ida	AR	11
Southern Bancorp Bank	600 E 22nd St	Stuttgart	AR	11
Southern Bancorp Bank	326 Highway 463 N	Trumann	AR	11
Southern Bancorp Bank	432 N Sebastian	West Helena	AR	11
Southern Bancorp Bank	425 Plaza	West Helena	AR	11
Southern Bancorp Bank	1103 N Missouri St	West Memphis	AR	11
Southern Bancorp Bank	648 E Peace St	Canton	MS	11
Southern Bancorp Bank	9 E Lakeshore Dr	Carriere	MS	11
Southern Bancorp Bank	101 East Franklin Street, Suite D	Carthage	MS	24
Southern Bancorp Bank	875 S State St	Clarksdale	MS	11
Southern Bancorp Bank	108 N Main St	Drew	MS	11
Southern Bancorp Bank	1868 Martin Luther King Jr., Boulevard South	Greenville	MS	11
Southern Bancorp Bank	215 S Broadway St	Greenville	MS	11
Southern Bancorp Bank	3002 Hardy St	Hattiesburg	MS	11
Southern Bancorp Bank	3002 Hardy St	Hattiesburg	MS	11
Southern Bancorp Bank	970 Byhalia Rd	Hernando	MS	11
Southern Bancorp Bank	507 Highway 82 E	Indianola	MS	11
Southern Bancorp Bank	815 Darby Avenue	Lambert	MS	11
Southern Bancorp Bank	323 Highway 82 E	Leland	MS	11
Southern Bancorp Bank	111 2nd St	Lula	MS	11
Southern Bancorp Bank	1888 Main St	Madison	MS	11

Showing 50 of 57 branches

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.