SOUTHERN BANCORP BANK

ARKADELPHIA, AR | Large | Est. March 1, 1884, midnight | FDIC #1528 | RSSD #852544 | FED
Latest Report: 2025-12-31

SOUTHERN BANCORP BANK is aln large FDIC-insured commercial bank headquartered in ARKADELPHIA, AR, established in March 1, 1884, midnight. As of 2025-12-31, the bank reported total assets of $2.8B and total deposits of $2.1B. Profitability stands at 0.89% ROA and 6.39% ROE, with a net interest margin of 3.73%. The bank's CET1 capital ratio is 10.34%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.39% and a Texas Ratio of 6.71%. FDIC Certificate #1528.

Assets

$2.8B

Deposits

$2.1B

Loans

$1.8B

Equity

$388M

Profitability

Return on Assets (ROA) 0.89%
Return on Equity (ROE) 6.39%
Net Interest Margin (NIM) 3.73%
Yield on Assets 5.69%
Cost of Funds 2.58%

Asset Quality

NPL Ratio 1.39%
Net Charge-Off Ratio 0.14%
Texas Ratio 6.71%
NPA Ratio 0.98%
ACL / Loans 1.09%

Capital & Liquidity

CET1 Ratio 10.34%
Tier 1 Capital 10.34%
Total Capital Ratio 10.86%
Leverage Ratio 12.77%
Loan-to-Deposit 87.26%

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