Southern Bancorp Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Southern Bancorp Bank. It reported $3.0 billion in assets at June 30, 2026, up 9.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.35% of loans from 0.87% a year earlier. It returns 7.7% a year on shareholders' equity, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 12.6%). It also carries problem assets equal to 9.0% of the capital and reserves that would absorb them, 2.5 times the median of 3.6% for banks its size.
Earnings jumped: net income for the quarter was $7.1 million, 48% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $120 million equal 35% of Tier 1 capital, down from 44% a year earlier.
As of June 30, 2026, Southern Bancorp Bank reported a return on assets of 0.95%, a nonperforming-loan ratio of 1.42% and a Texas ratio of 8.98%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 601 Main St, Arkadelphia, AR 71923
- County
- Clark
- Metro Area
- Arkadelphia, AR
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 1, 1884
- Former names
- Southern Bancorp Bank of Arkansas (2008-2009)
- Offices
- 56 domestic
- Employees (FTE)
- 564
- Domestic deposits
- $2.34B
- Allowance for credit losses
- $20.8M
- Net charge-offs (YTD)
- $1.1M
- Average total assets
- $2.99B
- Average total loans
- $1.95B
- Average interest-bearing deposits
- $1.76B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1528
- Fed RSSD
- 852544
- SEC CIK
- 1702397 → filed by SOUTHERN BANCORP, INC
- Website
- www.banksouthern.com →
- Parent Holding Company
- SOUTHERN BANCORP, INC (RSSD 1248939)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Southern Bancorp Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Southern Bancorp Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Southern Bancorp Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.85% | 0.95% | 2.50% | 8.98% | 3.60% |
| Q1 2026 | 12.28% | 0.81% | 2.81% | 7.74% | 3.65% |
| Q4 2025 | 12.77% | 0.85% | 2.47% | 7.36% | 3.69% |
| Q3 2025 | 13.39% | 0.96% | 2.20% | 5.36% | 3.75% |
| Q2 2025 | 12.79% | 0.69% | 1.57% | 4.93% | 3.65% |
| Q1 2025 | 12.40% | 0.73% | 1.52% | 4.55% | 3.55% |
| Q4 2024 | 12.13% | 0.76% | 1.37% | 4.12% | 3.67% |
| Q3 2024 | 12.36% | 0.83% | 1.51% | 4.23% | 3.46% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 54 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Southern Bancorp Bank (main office) | Arkadelphia , AR | 71923 | $452.4M |
| 12th Street Branch | Little Rock , AR | 72204 | $192.8M |
| Hot Springs Branch | Hot Springs , AR | 71913 | $137.9M |
| Plaza Branch | West Helena , AR | 72390 | $133.0M |
| Timberland Branch | El Dorado , AR | 71730 | $128.2M |
| Trumann Branch | Trumann , AR | 72472 | $110.3M |
| Marion Branch | Marion , AR | 72364 | $97.1M |
| Blytheville Branch | Blytheville , AR | 72315 | $88.1M |
| Mt Ida Branch | Mount Ida , AR | 71957 | $79.7M |
| West Pine Branch | Arkadelphia , AR | 71923 | $75.6M |
| De Witt Branch | De Witt , AR | 72042 | $72.8M |
| Ash Street Branch | Malvern , AR | 72104 | $56.7M |
| Arkansas County Bank | Stuttgart , AR | 72160 | $43.4M |
| Hamburg Branch | Hamburg , AR | 71646 | $39.6M |
| Hot Springs - East Branch | Hot Springs , AR | 71901 | $37.1M |
| Airport Rd Branch | Hot Springs , AR | 71913 | $36.2M |
| Bismarck Branch | Bismarck , AR | 71929 | $35.3M |
| Glenwood Branch | Glenwood , AR | 71943 | $34.6M |
| Picayune Branch | Carriere , MS | 39426 | $27.6M |
| Lockesburg Branch | Lockesburg , AR | 71846 | $27.3M |
| Missouri Street Branch | West Memphis , AR | 72301 | $26.2M |
| Webb Branch | Webb , MS | 38966 | $26.2M |
| Clarksdale Branch | Clarksdale , MS | 38614 | $25.9M |
| North Branch | Blytheville , AR | 72315 | $25.5M |
| Martin Luther King Branch | Greenville , MS | 38701 | $23.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 18, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 18, 2023 | Structure Change | Acquired Premier Bank of Arkansas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 15, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 15, 2021 | Structure Change | Acquired Arkansas County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 3, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 3, 2017 | Structure Change | Acquired Farmers Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 13, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 13, 2014 | Structure Change | Acquired The Bank of Bolivar County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 15, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 15, 2010 | Structure Change | Acquired Southern Bancorp Bank of Blytheville, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2009 | Structure Change | Acquired Southern Bancorp Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 27, 2009 | Structure Change | Acquired Timberland Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 26, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 14 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Southern Bancorp Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action October 15, 2019. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.9% of deposits in AR, rank 10 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,242 applications, 794 loans originated, $156.0M originated, across 16 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 51 loans, $35.7M approved, $700K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Southern Bancorp Bank
What are Southern Bancorp Bank's total assets?
As of the Q2 2026 filing, Southern Bancorp Bank reported total assets of $3.01 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Southern Bancorp Bank headquartered?
Southern Bancorp Bank is headquartered in Arkadelphia, AR, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Southern Bancorp Bank founded?
Southern Bancorp Bank was established in 1884, per the FDIC institution directory.
Is Southern Bancorp Bank FDIC-insured?
Yes. Southern Bancorp Bank is an FDIC-insured commercial bank (FDIC Certificate #1528). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Southern Bancorp Bank?
Southern Bancorp Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Southern Bancorp Bank operate?
Southern Bancorp Bank operates 56 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Southern Bancorp Bank's Texas Ratio?
Southern Bancorp Bank's Texas Ratio is 8.98% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Southern Bancorp Bank previously called?
The charter now named Southern Bancorp Bank has also operated as Southern Bancorp Bank of Arkansas (2008-2009), per FDIC structure-change records.
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