Uplift Bank
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Data as of · sourced from FFIEC call reports. How we update
Uplift Bank is an FDIC-insured commercial bank headquartered in Arkadelphia, AR, established in 1884 (FDIC certificate 1528), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $3.01B, up 9.1% from Q2 2025, the 9th largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.85% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 1528
- Headquarters
- Arkadelphia, AR
- Established
- 1884
- Total assets, Q2 2026
- $3.01B
- Assets vs Q2 2025
- +9.1%
- Tier 1 leverage ratio, Q2 2026
- 11.85%
- Domestic offices
- 57 FDIC institution directory, current count
- Routing number
- 082901334
- Holding company
- UPLIFT FINANCIAL DEVELOPMENT CORPORATION
- Asset rank in state
- 9th of 78 in Arkansas
Problem loans are rising at Uplift 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, Uplift Bank reported a return on assets of 0.95%, a nonperforming-loan ratio of 1.42% and a Texas ratio of 8.98%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Uplift Bank is the 9th largest of the 78 banks headquartered in Arkansas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 7.2% to $3.01B, loans rose 6.9% and deposits rose 7.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 25.3% of total loans, ahead of construction and land development loans at 16.2%. Its 54 offices in the FDIC Summary of Deposits are in 43 cities across 2 states; its Arkadelphia 2 offices book 23% of its branch deposits. On its Q2 2026 call report, Uplift Bank meets the community bank leverage ratio test for well capitalized.
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)
- Domestic offices
- 57 FDIC institution directory, current count
- 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 UPLIFT FINANCIAL DEVELOPMENT CORPORATION
- Website
- www.banksouthern.com →
- Parent Holding Company
- UPLIFT FINANCIAL DEVELOPMENT CORPORATION (RSSD 1248939)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Uplift Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Uplift Bank's total assets ranged from $2.53B (Q3 2023) to $3.01B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.01B total assets against $2.76B; $2.64B total liabilities against $2.39B.
$1.96B net loans and leases against $1.80B; $2.34B total deposits against $2.12B.
$561.2M securities against $577.2M; $251.7M cash and balances due against $149.5M.
$36.4M total interest income against $35.0M; $12.3M total interest expense against $11.9M.
$24.1M net interest income against $23.1M.
$5.4M total noninterest income against $3.4M; $20.6M total noninterest expense against $20.6M.
$1.2M provision for credit losses against $450K.
$7.1M net income against $4.8M.
0.95% return on assets against 0.69%; 3.60% net interest margin against 3.65%.
11.85% tier 1 leverage ratio against 12.79%.
Inside the full Uplift Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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.
Uplift Bank rankings
Its closest position to the top of a national ranking is 417 of 4,196, for total assets; its furthest is 2,622 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.69% (Q2 2025) to 0.96% (Q3 2025) and its net interest margin ran from 3.46% (Q3 2024) to 3.75% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.85% | 0.95% | 1.42% | 8.98% | 3.60% |
| Q1 2026 | 12.28% | 0.81% | 1.34% | 7.74% | 3.65% |
| Q4 2025 | 12.77% | 0.85% | 1.39% | 7.36% | 3.69% |
| Q3 2025 | 13.39% | 0.96% | 1.08% | 5.36% | 3.75% |
| Q2 2025 | 12.79% | 0.69% | 0.98% | 4.93% | 3.65% |
| Q1 2025 | 12.40% | 0.73% | 0.90% | 4.55% | 3.55% |
| Q4 2024 | 12.13% | 0.76% | 0.74% | 4.12% | 3.67% |
| Q3 2024 | 12.36% | 0.83% | 0.85% | 4.23% | 3.46% |
Swipe the table sideways to see every column.
Branch Network
View all 54 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Southern Bancorp Bank | 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
Facts as filed or published, not a rating.
- 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
- 164 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2023-Q4 to 2024-Q3. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Uplift Bank
What are Uplift Bank's total assets?
As of the Q2 2026 filing, Uplift Bank reported total assets of $3.01 billion in its FFIEC call report.
Where is Uplift Bank headquartered?
It is headquartered in Arkadelphia, AR, United States.
When was Uplift Bank founded?
It was established in 1884, per the FDIC institution directory.
Is Uplift Bank FDIC-insured?
Yes. It 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 Uplift Bank?
Uplift Bank's primary federal regulator is the Federal Reserve.
How many branches does Uplift Bank operate?
It operates 57 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Uplift Bank's Texas Ratio?
Its Texas Ratio is 8.98% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Uplift Bank previously called?
The charter now named Uplift Bank has also operated as Southern Bancorp Bank of Arkansas (2008-2009), per FDIC structure-change records.
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