FDIC Cert #1528 · Arkadelphia, Arkansas · Est. 1884

Southern Bancorp Bank - FDIC Bank Health Profile

A community-scale look at Southern Bancorp Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$2.8B
Total assets
B
Health grade · Good
0.81%
Return on assets
12.8%
Tier 1 capital

Data updated July 2026

The verdict

Southern Bancorp Bank earns a PlainBankData health grade of B (69/100), with well-capitalized at 12.77% Tier 1, 0.81% ROA, 73% efficiency ratio.

#458
largest of 4,313 FDIC banks by assets
89th
percentile by asset size, nationally
12.77%
Tier 1 ratio - above the 10% well-capitalized line
30th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 1528 · AR B · 69/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (69/100)
  • MID-PACK #3088/4307
  • PHOTO-FINISH Citizens Bank & Trus… · LA
  • TIER1-WELL 12.8% Tier 1
  • TEXAS-CLEAN 6.3% Texas
  • ROA-PAR 0.81% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Arkansas: Citizens Bank & Trust Company, LA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Southern Bancorp Bank

Lowest and highest poles plus nearest scored peers outside Arkansas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Better Banks · IL · near69/100Citizens Bank & Trus… · LA ·…69/100First Security Bank… · IA · …69/100RNB STATE BANK · WY · near69/100Southern Bancorp Bank · AR ·…69/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Southern Bancorp Bank · July 2026

What Southern Bancorp Bank's Call Report plate shows

Southern Bancorp Bank (FDIC Cert #1528) carries a PlainBankData health grade of B at 69/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,088 of 4,307. Tier 1 capital prints at 12.77%, clearing the 10% well-capitalized line. The Texas Ratio is 6.29%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.81%. Balance-sheet scale is $2.8B, 458th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Citizens Bank & Trust Company (LA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Southern Bancorp Bank

4 FAILURE resolutions in Arkansas since 2000 (3 since 2008)

Southern Bancorp Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Southern Bancorp Bank remains an active FDIC-insured reporter.

  • ALLIED BANK MULBERRY, AR 2016 → TODAY'S BANK
  • FIRST SOUTHERN BANK BATESVILLE, AR 2010 → SOUTHERN BANK
  • ANB FINANCIAL NATIONAL ASSOCIATION BENTONVILLE, AR 2008 → PULASKI BANK AND TRUST CO

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Arkansas banks.

How Southern Bancorp Bank's 69/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10069/100
Southern Bancorp Bank's composite health score
Tier 1 Capital Ratio (12.77%) 35/40
Return on Assets (ROA) (0.81%) 14/25
Texas Ratio (6.29%) 16/20
Efficiency Ratio (73.23%) 4/15

69 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$2.8B

Total balance-sheet footings

Total Deposits

$2.1B

Customer-funded liabilities

Net Loans

$1.8B

Outstanding loan book

Net Income

$23M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.37% 12.77% 14.17%
Basel III capital ratios - Southern Bancorp Bank

Where Southern Bancorp Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Southern Bancorp Bank's score of 69/100 falls in the highlighted band.

Southern Bancorp Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

69 28th percentile higher than 28% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Southern Bancorp Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Southern Bancorp Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Southern Bancorp Bank's $2.8B falls in the highlighted band.

Safety ratios for Southern Bancorp Bank

Tier 1 capital ratio
Well-capitalized 10%

12.77% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.77%
Texas Ratio
6.29%
Equity Capital
$388M

What these ratios mean →

Profitability metrics: Southern Bancorp Bank

Return on Assets (ROA)
30th percentile nationally
0.81%
Return on Equity (ROE)
6.07%
Efficiency Ratio
73.23%

What these mean →

Income & expense at Southern Bancorp Bank

$142M
Interest Income
$16M
Non-Interest Income
$80M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Southern Bancorp Bank reports a Texas Ratio of 6.29% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

6.29% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Southern Bancorp Bank on FDIC BankFind →

Top banks in Arkansas by total assets

Largest banks headquartered in Arkansas
  1. 1
    Bank OZK $40.8B

    Little Rock, AR · Grade A

  2. 2
    Arvest Bank $27.8B

    Fayetteville, AR · Grade C

  3. 3
    Simmons Bank $24.5B

    Pine Bluff, AR · Grade C

  4. 4
    Centennial Bank $22.7B

    Conway, AR · Grade A

  5. 5
    First Security Bank $8.4B

    Searcy, AR · Grade A

Top 5 banks in Arkansas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($2.8B here), outside Arkansas so the neighborhood is not state containment.

State Bank of Texas $2.8B · TX U. S. Century Bank $2.8B · FL American Momentum Bank $2.8B · TX Cornerstone Bank $2.8B · NE

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Southern Bancorp Bank (FDIC Cert #1528) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Southern Bancorp Bank Call Report profile · FDIC Failed Bank List · Arkansas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Arkansas

All Arkansas banks →
BankAssetsGradeROA
Bank OZKLittle Rock $40.8B A 1.78%
Arvest BankFayetteville $27.8B C 0.49%
Simmons BankPine Bluff $24.5B C -1.40%
Centennial BankConway $22.7B A 2.14%
First Security BankSearcy $8.4B A 1.81%
ENCORE BANKLittle Rock $3.6B C 0.19%
First Community BankBatesville $3.4B B 1.09%
Farmers Bank & Trust CompanyMagnolia $3.1B B 1.36%