Headquartered in Arkadelphia, Arkansas, Southern Bancorp Bank is a state-chartered bank (fed member) with $3.0B in total assets and $2.3B in deposits as of Q2 2026. It operates 56 offices across 2 states. Its charter dates back to 1884.
Based on its Q2 2026 filing, Southern Bancorp Bank scores 61/100, which we describe as moderate. That is higher than only 24% of 897 banks with $1 billion – $10 billion. Among 78 banks headquartered in Arkansas, it ranks 60th. Its strongest component is problem-loan coverage (84/100; 8.0%), and its lowest is funding & liquidity (49/100; 84% loans-to-deposits, 39% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 6 points (67 → 61), mostly because the loan quality component weakened by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 69 |
| Q4 2024 | 68 |
| Q1 2025 | 68 |
| Q2 2025 | 67 |
| Q3 2025 | 69 |
| Q4 2025 | 64 |
| Q1 2026 | 63 |
| Q2 2026 | 61 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.53% |
| Q3 2024 | 12.36% |
| Q4 2024 | 12.13% |
| Q1 2025 | 12.40% |
| Q2 2025 | 12.79% |
| Q3 2025 | 13.39% |
| Q4 2025 | 12.77% |
| Q1 2026 | 12.28% |
| Q2 2026 | 11.85% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.75% |
| Q3 2024 | 0.85% |
| Q4 2024 | 0.74% |
| Q1 2025 | 0.90% |
| Q2 2025 | 0.98% |
| Q3 2025 | 1.08% |
| Q4 2025 | 1.39% |
| Q1 2026 | 1.34% |
| Q2 2026 | 1.42% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.80% |
| Q3 2024 | 0.81% |
| Q4 2024 | 0.80% |
| Q1 2025 | 0.74% |
| Q2 2025 | 0.72% |
| Q3 2025 | 0.79% |
| Q4 2025 | 0.81% |
| Q1 2026 | 0.82% |
| Q2 2026 | 0.89% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $3.0B | 11.85% | 1.42% | 0.89% | 83.8% |
| Q1 2026 | 63 | $2.8B | 12.28% | 1.34% | 0.82% | 84.2% |
| Q4 2025 | 64 | $2.8B | 12.77% | 1.39% | 0.81% | 86.3% |
| Q3 2025 | 69 | $2.7B | 13.39% | 1.08% | 0.79% | 86.3% |
| Q2 2025 | 67 | $2.8B | 12.79% | 0.98% | 0.72% | 84.6% |
| Q1 2025 | 68 | $2.8B | 12.40% | 0.90% | 0.74% | 80.8% |
| Q4 2024 | 68 | $2.8B | 12.13% | 0.74% | 0.80% | 80.9% |
| Q3 2024 | 69 | $2.7B | 12.36% | 0.85% | 0.81% | 81.3% |
| Q2 2024 | 70 | $2.6B | 12.53% | 0.75% | 0.80% | 81.6% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Arkansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers Bank & Trust CompanyBank Magnolia, AR | 61 out of 100, Moderate | $3.2B | 9.9% | 1.32% | vs |
| First National BankBank Paragould, AR | 71 out of 100, Strong | $2.6B | 11.1% | 0.19% | vs |
| First Community BankBank Batesville, AR | 62 out of 100, Moderate | $3.6B | 9.0% | 0.31% | vs |
| Encore BankBank Little Rock, AR | 61 out of 100, Moderate | $3.7B | 9.4% | 0.17% | vs |
| The First National Bank of Fort SmithBank Fort Smith, AR | 78 out of 100, Strong | $2.3B | 11.1% | 0.44% | vs |
| First Financial BankBank El Dorado, AR | 50 out of 100, Below average | $2.0B | 11.2% | 3.64% | vs |
Deposit insurance
Is my money safe at Southern Bancorp Bank?
Yes. Southern Bancorp Bank is an FDIC-insured institution (FDIC certificate #1528). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 39.2% of deposits ($916.7M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.85%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
56 locations
Branches
Southern Bancorp Bank lists 47 offices in 41 cities across 2 states. Most locations:
- Hot Springs, AR (3)
- Arkadelphia, AR (2)
- El Dorado, AR (2)
- Greenville, MS (2)
- West Helena, AR (2)
- Barton, AR (1)
- Bismarck, AR (1)
- Blytheville, AR (1)
- Canton, MS (1)
- Carriere, MS (1)
- Clarksdale, MS (1)
- De Witt, AR (1)
HMDA 2025
Mortgage lending
In 2025, Southern Bancorp Bank reported 1,238 home-loan applications under HMDA (LEI 549300JQEF6V2RNWCC75): 794 originated ($156,000,000 total), 125 denied, and 228 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.4%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Southern Bancorp Bank
- Former names
- Elk Horn Bank and Trust Company; Southern Bancorp Bank of Arkansas
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 1528
- RSSD ID
- 852544
- Primary regulator
- FED
- Holding company
- Southern Bcorp Inc
- Established
- March 1, 1884
- Headquarters
- 601 Main St, Arkadelphia, AR 71923
- Website
- www.banksouthern.com
- Employees
- 564
Quick answers
Southern Bancorp Bank: common questions
Is Southern Bancorp Bank FDIC insured?
Yes. Southern Bancorp Bank is an FDIC-insured institution (FDIC certificate #1528). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Southern Bancorp Bank's TellerScore?
61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Southern Bancorp Bank ever failed?
There is no failure record for FDIC certificate #1528 in the FDIC failed bank list.
How many branches does Southern Bancorp Bank have?
56 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Arkadelphia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Patterson Federal Credit UnionCredit union Arkadelphia, AR | 96 out of 100, Very strong | $38.0M | 17.5% | 0.08% | vs |
| Bank of DelightBank Delight, AR | 86 out of 100, Very strong | $201.0M | 13.4% | 0.29% | vs |
| Clearway Federal Credit UnionCredit union Malvern, AR | 83 out of 100, Strong | $79.6M | 22.5% | 0.52% | vs |
| First State BankBank Lonoke, AR | 77 out of 100, Strong | $328.1M | 11.2% | 0.00% | vs |
| Bank OZKBank Little Rock, AR | 76 out of 100, Strong | $41.7B | 14.0% | 0.92% | vs |
| Riverside BankBank Sparkman, AR | 76 out of 100, Strong | $73.9M | 12.3% | 0.04% | vs |