Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank holding company |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 13 Mar 2014 |
| RSSD ID | 1248939 |
| Address | 605 MAIN ST STE 202, 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$20.6 million in 14 awards from the U.S. Treasury's CDFI Fund, 1996–2024 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $1,285,000 |
| 2022 | CDFI Equitable Recovery Program | $4,957,678 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2019 | CDFI Program, Financial Assistance | $674,000 |
| 2018 | CDFI Program, Financial Assistance | $950,000 |
| 2017 | CDFI Program, Financial Assistance | $1,006,905 |
| 2015 | CDFI Program, Financial Assistance | $2,000,000 |
| 2008 | CDFI Program, Financial Assistance | $96,800 |
| 2004 | CDFI Program, Financial Assistance | $1,800,000 |
| 2000 | CDFI Program, Financial Assistance | $1,000,000 |
| 1999 | CDFI Program, Financial Assistance | $450,185 |
| 1999 | CDFI Program, Technical Assistance | $50,000 |
| 1998 | CDFI Program, Financial Assistance | $2,500,000 |
| 1996 | CDFI Program, Financial Assistance | $2,000,000 |
Emergency Capital Investment Program (ECIP)
Treasury invested $250 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
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 2026Subsidiary banks on file with the FDIC: Uplift Bank (FDIC cert 1528, total assets $3 billion); Legacy Bank & Trust Company (FDIC cert 22319, total assets $1.8 billion). 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 (all subsidiary banks) | $4.9 billion (as of 30 Jun 2026) |
|---|---|
| Offices | 66 in 5 states (as of 30 Oct 2026) |
Offices by state and county (66)
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): 2500 Pine St, Arkadelphia 71923; 601 Main 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
Missouri (5 offices)
- Christian County (1): 7164 State Highway 14 E, Sparta 65753
- Greene County (2): 3250 E Sunshine St, Springfield 65804; 4108 S National Ave, Springfield 65807
- Henry County (1): 107 S 2nd St, Clinton 64735
- Wright County (1): 1500 N Main St, Mountain Grove 65711
Oklahoma (2 offices)
- Tulsa County (2): 222 N. Detroit Avenue, Tulsa 74103; 5705 E 71st St, Tulsa 74136
Texas (3 offices)
- Collin County (2): 17561 Dallas Pkwy, Dallas 75287; 437 Coit Road, Plano 75075
- Tarrant County (1): 5721 N Tarrant Pkwy, Fort Worth 76244
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 2026A bank holding company files no Call Report of its own. These figures add up the Call Reports of the 2 active banks the FDIC lists under it: Uplift Bank (RSSD 852544, FDIC cert 1528), $1.98 billion in loans; Legacy Bank & Trust Company (RSSD 397755, FDIC cert 22319), $1.48 billion in loans. 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 | $3.46 billion (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 1.7% from $3.40 billion on 30 Jun 2025 |
| Total assets | $4.86 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $590.9 million | 17.1% |
| Home equity lines of credit | $52.9 million | 1.5% |
| Commercial real estate, construction and multifamily | $1.97 billion | 57.0% |
| Commercial and industrial (business) loans | $365.9 million | 10.6% |
| Farmland and farm production loans | $353.7 million | 10.2% |
| Consumer loans (credit cards, auto, other) | $41.5 million | 1.2% |
| All other loans and leases | $82.2 million | 2.4% |
Within consumer loans: auto loans $8.6 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 | 307 loans $12.5 million | 1,109 loans $28.9 million |
| $100,001 to $250,000 | 331 loans $41.1 million | 266 loans $27.4 million |
| $250,001 to $1 million | 399 loans $152.8 million | 235 loans $68.8 million |
| All small business loans | 1,037 loans $206.4 million | 1,610 loans $125.2 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 | 209 loans $8.2 million | 293 loans $7 million |
| $100,001 to $250,000 | 177 loans $21.3 million | 66 loans $6.1 million |
| $250,001 to $500,000 | 81 loans $20.1 million | 55 loans $10.9 million |
| All small farm loans | 467 loans $49.6 million | 414 loans $24 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 by its bank (2025)
FFIEC HMDA data, 2025The HMDA reporter panel lists SOUTHERN BANCORP INC as the parent or top holder of this filer, which is also a certified CDFI with its own page:
- Southern Bancorp Bank: 794 originated home loans
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 |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $4.86 billion | Larger than 100% of the 25 other certified banks and bank holding companies in Arkansas (median $263.6 million). |
| Loans as a share of assets | 71% | 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 | $3.40 billion → $3.46 billion (+2%) | Median change of 25 other certified banks and bank holding companies in Arkansas: +6%. Rank by loans held among these 26: 1 → 1. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Arkansas | 25 | larger than 100% |
| Loans held then vs now | certified banks and bank holding companies in Arkansas reporting both dates | 25 | rank 1 → 1 of 26 |
“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. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026SBA loan data names this holding company's bank, not the holding company. Its subsidiary Legacy Bank & Trust Company, Southern Bancorp Bank is certified separately and shows its SBA 7(a) and 504 approvals for FY2020–FY2026 on its own page.
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 BankBank or thrift · 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
Work at SOUTHERN BANCORP INC? Link to this page
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