Southern Bancorp Bank

Arkadelphia, Arkansas, Clark County

$3.0B in total assets, the 437th largest of 4,309 US banks and 9th of 78 headquartered in Arkansas.

At a glance

Compared with 19 banks headquartered in Arkansas with $1 billion to $10 billion in assets, as of June 30, 2026.

Measure	This bank	Percentile	Peer median
Total assets	$3.0B	79%	$1.6B
Loans	$2.0B	74%	$1.3B
Deposits	$2.3B	79%	$1.4B
Return on assets	0.90%	10%	1.24%
Net interest margin	3.64%	10%	4.01%
Efficiency ratio	70.6%	90%	57.4%
Equity to assets	12.46%	79%	9.57%
Loans to deposits	85%	32%	89%

Total assets grew 8.9% a year over the last 5 years and 10.0% a year over 10 years, including 3 acquisitions in the last 10 years.

Closed	Acquired bank	Assets at acquisition
Feb 2023	PREMIER BANK OF ARKANSAS Jonesboro, AR, an affiliate under the same holding company	$242M
May 2021	Arkansas County Bank De Witt, AR	$189M
Jun 2017	Farmers Bank Hamburg, AR	$43M
Dec 2014	The Bank of Bolivar County Shelby, MS	$16M
May 2010	Southern Bancorp Bank of Blytheville, National Association Blytheville, AR, an affiliate under the same holding company	$253M
May 2010	Southern Bancorp Bank of Trumann Rogers, AR, an affiliate under the same holding company	$113M
Nov 2009	Southern Bancorp Bank Ruleville, MS, an affiliate under the same holding company	$175M
Nov 2009	Southern Bancorp Bank, National Association West Helena, AR, an affiliate under the same holding company	$217M
Jun 2009	Timberland Bank El Dorado, AR	$135M

54 branches in 26 counties.

County	Deposits	Market share	Rank
Clark County, AR	$545M	58.6%	1 of 8
Garland County, AR	$211M	6.8%	6 of 14
Phillips County, AR	$210M	45.1%	2 of 2
Pulaski County, AR	$193M	0.7%	17 of 33
Mississippi County, AR	$153M	18.3%	2 of 6
Union County, AR	$144M	8.9%	5 of 7

Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.

Net gain of 12 branches since 2016 (42 to 54, +28.6%). 8 opened, 7 acquired, 3 closed or sold.

Period	What happened	Opened or acquired	Closed or sold	Net change	Branches at end
Start of 2016	Starting point				42
2016	Opened Gurdon	1	0	+1	43
2017	Acquired Farmers Bank	1	0	+1	44
2018	Opened Mount Ida	1	0	+1	45
2019	Opened Glenwood	1	0	+1	46
2020	Opened Hattiesburg	1	0	+1	47
2021	Acquired Arkansas County BankOpened Hattiesburg, closed Hattiesburg and Manila	4	2	+2	49
2023	Acquired PREMIER BANK OF ARKANSASOpened Canton and Little Rock	5	0	+5	54
2024	Opened Olive Branch	1	0	+1	55
2025	Closed Friars Point	0	1	−1	54

Type	This bank	Peers
1-4 family residential	25%	22%
Commercial real estate	22%	30%
Construction and land	16%	13%
Farmland	10%	10%
Business (C&I)	10%	14%
Agricultural	5%	3%
Multifamily	5%	5%
Consumer	2%	2%
Other	4%	1%

Type	This bank	Peers
Other interest-bearing	51%	47%
Time deposits	24%	35%
Noninterest-bearing	24%	18%

Brokered deposits are 5.0% of deposits (peers 7.0%).

Trailing four quarters, with the peer median.

Noncurrent loans exclude government-guaranteed portions.

Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/southern-bancorp-bank-arkadelphia-ar