Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 13 Mar 2014 |
| RSSD ID | 852544 |
| Address | 601 Main Street, Arkadelphia, AR 71923 Directions (Google Maps) |
| Website | www.banksouthern.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedThis lender's website blocked our automated reader on 2 Nov 2026 (we do not bypass bot protection), so we can't list its loan products, sizes or service area yet. That doesn't mean it lacks them. Check www.banksouthern.com or contact the lender directly.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$6 million in 15 awards from the U.S. Treasury's CDFI Fund, 2000–2024 (Bank Enterprise Award Program; CDFI Program, Financial Assistance; Small Dollar Loan Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $163,012 |
| 2024 | Small Dollar Loan Program | $383,223 |
| 2023 | Bank Enterprise Award Program | $230,727 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2019 | Bank Enterprise Award Program | $245,547 |
| 2018 | Bank Enterprise Award Program | $233,244 |
| 2017 | Bank Enterprise Award Program | $233,389 |
| 2016 | Bank Enterprise Award Program | $13,500 |
| 2015 | Bank Enterprise Award Program | $265,496 |
| 2014 | Bank Enterprise Award Program | $31,787 |
| 2013 | CDFI Program, Financial Assistance | $1,347,000 |
| 2012 | CDFI Program, Financial Assistance | $1,453,806 |
| 2001 | Bank Enterprise Award Program | $957,000 |
| 2000 | Bank Enterprise Award Program | $33,000 |
New Markets Tax Credit allocations
$230 million in 4 allocations. An NMTC allocation is the authority to offer investors federal tax credits for community investments; it is not cash paid to the lender and is not counted in the award total above.
| Round year | Program | Allocation |
|---|---|---|
| 2024 | New Markets Tax Credit allocation | $85,000,000 |
| 2021 | New Markets Tax Credit allocation | $45,000,000 |
| 2020 | New Markets Tax Credit allocation | $50,000,000 |
| 2019 | New Markets Tax Credit allocation | $50,000,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Uplift Bank (FDIC cert 1528). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $3 billion (as of 30 Jun 2026) |
|---|---|
| Offices | 56 in 2 states (as of 30 Oct 2026) |
Offices by state and county (56)
Arkansas (35 offices)
- Arkansas County (2): 220 W Cross St, De Witt 72042; 600 E 22nd St, Stuttgart 72160
- Ashley County (1): 210 N Main St, Hamburg 71646
- Chicot County (1): 2943 S Highway 65, Eudora 71640
- Clark County (3): 601 Main St, Arkadelphia 71923 (main office); 2500 Pine St, Arkadelphia 71923; 600 E Main St, Gurdon 71743
- Craighead County (1): 2508 E Highland Dr, Jonesboro 72401
- Crittenden County (2): 205 Block St, Marion 72364; 1103 N Missouri St, West Memphis 72301
- Garland County (3): 206 Airport Rd, Hot Springs 71913; 2212 Malvern Ave, Hot Springs 71901; 4138 Central Ave, Hot Springs 71913
- Hot Spring County (2): 6764 Arkansas 7, Bismarck 71929; 208 S Ash St, Malvern 72104
- Mississippi County (6): 1012 S Division St, Blytheville 72315; 1040 E Main St, Blytheville 72315; 120 S 2nd St, Blytheville 72315; 599 S Air Base Hwy, Blytheville 72315; 807 N 6th St, Blytheville 72315; 403 Highway 18 South, Manila 72442
- Montgomery County (1): 506 Highway 270 E, Mount Ida 71957
- Phillips County (6): 6140 Hwy 49, Barton 72312; 128 Main Street, Elaine 72333; 502 Cherry St, Helena 72342; 911 Highway 49, Marvell 72366; 425 Plaza, West Helena 72390; 432 N Sebastian, West Helena 72390
- Pike County (1): 3 Caddo Crossing Dr, Glenwood 71943
- Poinsett County (1): 326 Highway 463 N, Trumann 72472
- Pulaski County (2): 3999 W 12th St, Little Rock 72204; 400 Hardin Rd, Little Rock 72211
- Sevier County (1): 103 W Main, Lockesburg 71846
- Union County (2): 1615 W Hillsboro St, El Dorado 71730; 2421 N West Ave, El Dorado 71730
Mississippi (21 offices)
- Bolivar County (2): 202 N Edwards Ave, Mound Bayou 38762; 2nd And Forest Street, Shelby 38774
- Coahoma County (2): 875 S State St, Clarksdale 38614; 111 2nd St, Lula 38644
- DeSoto County (3): 970 Byhalia Rd, Hernando 38632; 5218 Goodman Rd, Olive Branch 38654; 6810 Crumpler Blvd, Olive Branch 38654
- Forrest County (1): 3002 Hardy St, Hattiesburg 39401
- Leake County (1): 101 East Franklin Street, Suite D, Carthage 39051
- Madison County (2): 648 E Peace St, Canton 39046; 1888 Main St, Madison 39110
- Pearl River County (1): 9 E Lakeshore Dr, Carriere 39426
- Quitman County (2): 815 Darby Avenue, Lambert 38643; 104 Main St, Sledge 38670
- Sunflower County (3): 108 N Main St, Drew 38737; 507 Highway 82 E, Indianola 38751; 117 W Floyce St, Ruleville 38771
- Tallahatchie County (1): 11288 Highway 49 East, Webb 38966
- Washington County (3): 1868 Martin Luther King Jr., Boulevard South, Greenville 38701; 215 S Broadway St, Greenville 38701; 323 Highway 82 E, Leland 38756
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Uplift Bank (RSSD 852544, FDIC cert 1528). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $1.98 billion (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 9.0% from $1.82 billion on 30 Jun 2025 |
| Total assets | $3.01 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $456.6 million | 23.1% |
| Home equity lines of credit | $43.6 million | 2.2% |
| Commercial real estate, construction and multifamily | $856.9 million | 43.3% |
| Commercial and industrial (business) loans | $193.2 million | 9.8% |
| Farmland and farm production loans | $306.9 million | 15.5% |
| Consumer loans (credit cards, auto, other) | $39.8 million | 2.0% |
| All other loans and leases | $82.2 million | 4.2% |
Within consumer loans: auto loans $8.2 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 287 loans $11.6 million | 1,027 loans $26.6 million |
| $100,001 to $250,000 | 288 loans $35.6 million | 226 loans $23.9 million |
| $250,001 to $1 million | 313 loans $116.7 million | 156 loans $47.7 million |
| All small business loans | 888 loans $163.9 million | 1,409 loans $98.2 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 164 loans $6.4 million | 230 loans $5.6 million |
| $100,001 to $250,000 | 124 loans $14.5 million | 54 loans $5 million |
| $250,001 to $500,000 | 56 loans $13.3 million | 54 loans $10.7 million |
| All small farm loans | 344 loans $34.1 million | 338 loans $21.3 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Southern Bancorp Bank reported 794 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $156M (median loan about $135,000). 485 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 485 | 61% |
| Refinance (incl. 11 cash-out) | 193 | 24% |
| Home improvement | 84 | 11% |
| Other purpose | 32 | 4.0% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 758 | 95% |
| FHA-insured | 36 | 4.5% |
Included above: 78 loans on manufactured homes; 18 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 108 counties with at least one; 66% of its 2025 loans were for properties in Arkansas:
- Garland County, AR (76)
- Clark County, AR (73)
- Hot Spring County, AR (47)
- Arkansas County, AR (37)
- Montgomery County, AR (36)
- Union County, AR (35)
- Pike County, AR (29)
- Coahoma County, MS (27)
Filed under LEI 549300JQEF6V2RNWCC75 as “SOUTHERN BANCORP BANK”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $441,000 (184 loans) | All 7(a) lenders in Arkansas: $229,400. Larger than the median loan of 88% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| Variable-rate 7(a) loans: rate over prime at approval, FY2024–26 | median 0.5 pts, half between 0.5 pts and 0.75 pts (104 loans; 0% at the SBA maximum) | All lenders in Arkansas: median 2.25 pts, 7% at the maximum (702 loans). |
| SBA approvals, FY2023–24 → FY2025–26 | 40 → 96 | Rank among the 6 certified CDFIs in Arkansas with SBA approvals in either period: 1 → 1. |
| Total assets (Call Report, 30 Jun 2026) | $3.01 billion | Larger than 96% of the 25 other certified banks and bank holding companies in Arkansas (median $263.6 million). |
| Loans as a share of assets | 66% | Median of the same 25 banks and bank holding companies: 73%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $1.82 billion → $1.98 billion (+9%) | Median change of 25 other certified banks and bank holding companies in Arkansas: +6%. Rank by loans held among these 26: 2 → 2. |
| Home loans originated in 2025 (HMDA) | 794 | More than 92% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 88% |
| Rate over prime | all variable-rate 7(a) loans in Arkansas, FY2024–26 | 702 | median 0.5 pts vs 2.25 pts |
| SBA approvals then vs now | certified CDFIs in Arkansas with SBA approvals FY2023–2026 | 5 | rank 1 → 1 of 6 |
| Call Report total assets | other certified banks and bank holding companies in Arkansas | 25 | larger than 96% |
| Loans held then vs now | certified banks and bank holding companies in Arkansas reporting both dates | 25 | rank 2 → 2 of 26 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 92% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 196 SBA-backed approvals for Southern Bancorp Bank in fiscal years 2020–2026 (October 2019 to September 2026):
- 184 7(a) loans as the lender: $176.2M in total (gross amount approved), median $441,000
- 12 504 projects as the third-party (first-lien) lender: $13.1M in total (its own third-party loan amount), median $515,286
By fiscal year: FY2020 12 · FY2021 29 · FY2022 19 · FY2023 9 · FY2024 31 · FY2025 51 · FY2026 45.
What actually happened
- Size of its 7(a) loans: half were between $129,250 and $1.3M, median $441,000 (184 loans)
- Size of its 504 first-lien loans (third-party lender): half were between $375,000 and $724,151, median $515,286 (12 loans)
- Term of its 7(a) loans: median 126 months (10 years) (184 loans)
- Term of its 504 first-lien loans (third-party lender): median 300 months (25 years) (12 loans)
- Interest rate at approval on its 7(a) loans in FY2025–26: median 7.75%, half between 7.25% and 8.25% (96 loans; SBA's initial rate, before any change on a variable loan)
- Fixed or variable: 18% of its 7(a) loans had a fixed rate (184 loans)
- Young businesses: 62% of its 7(a) loans went to a startup or a business two years old or less (180 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) standard (154, 79%)
- 7(a) SBA Express (30, 15%)
- 504 projects (as the third-party lender) (12, 6%)
Borrower industries
NAICS sector, 3 or more loans.
- Health care and social assistance (43)
- Agriculture, forestry, fishing and hunting (42)
- Accommodation and food services (24)
- Retail trade (22)
- Other services (except public administration) (17)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
- Pulaski County, AR (17)
- Garland County, AR (16)
- Washington County, AR (12)
- Benton County, AR (12)
- Union County, AR (11)
- Hot Spring County, AR (6)
- Coahoma County, MS (5)
- Arkansas County, AR (5)
- Franklin County, AR (4)
- Clark County, AR (4)
- Craighead County, AR (4)
- Saline County, AR (4)
- Covington County, MS (4)
- Forrest County, MS (4)
- Washington County, MS (4)
- Ashley County, AR (4)
- Shelby County, TN (3)
- Mississippi County, AR (3)
- Johnson County, KS (3)
How this lender was matched in the SBA files: FDIC cert 1528, found through the RSSD ID on the CDFI Fund list (SBA lists “Southern Bancorp Bank”); 504 third-party lender name: same name, state and city (SBA lists “Southern Bancorp Bank”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Southern Bancorp Bank may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Arkadelphia and Arkansas
- SOUTHERN BANCORP INCBank holding company · Arkadelphia, AROfficial list only
- Bank of Lake VillageBank or thrift · Lake Village, ARAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Clearway Federal Credit UnionCredit union · Malvern, ARAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loansVerified
- Communities Unlimited, Inc.Loan fund · Fayetteville, ARAgriculture / farm loans, Home repair / improvement loans, Small-business loansVerified
- Connect BankBank or thrift · Star City, ARCommercial real estate loans, Equipment loans, Personal / consumer loans, Small-business loansVerified
- Cotton Belt FCUCredit union · Pine Bluff, ARAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loansVerified
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