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Southern Bancorp Bank

For information concerning Elevault, a division of Southern Bancorp of Arkansas online bank, please click here .

Southern Bancorp Bank is an FDIC insured institution headquartered at 601 Main St, Arkadelphia, AR 71923.
It was founded in 1884 and has approximately $3 billion in assets. Customers can open an account at one of its 44 branches.

Deposit Rates - July 10, 2025

SAVINGS RATES APY MIN
Savings
0.15% $1 Compare
Savings
0.25% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.20% $500 Compare
6 Mo CD
0.20% $100,000 Compare
12 Mo CD
0.25% $10,000 Compare
12 Mo CD
0.25% $100,000 Compare
18 Mo CD
0.30% $10,000 Compare
18 Mo CD
0.30% $100,000 Compare
24 Mo CD
0.35% $500 Compare
24 Mo CD
0.35% $100,000 Compare
36 Mo CD
0.40% $500 Compare
36 Mo CD
0.40% $100,000 Compare
48 Mo CD
0.45% $500 Compare
48 Mo CD
0.45% $100,000 Compare
60 Mo CD
0.50% $500 Compare
60 Mo CD
0.50% $100,000 Compare
MM RATES APY MIN
Money Market
0.10% $2,500 Compare
Money Market
0.15% $10,000 Compare
Money Market
0.10% $10,000 Compare
Money Market
0.15% $25,000 Compare
Money Market
0.10% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.10% $1
Int Ckg
0.10% $2,500

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 1528
Date Established 1884
Assets $ 2.78 billion
Loans $ 1,732.31 million
Deposits $ 2.14 billion
Capital $ 357.32 million

Summary Balance Sheet as of December 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 231.36 million
Interest-bearing balances $ 193.60 million
Total securities $ 585.13 million
Federal funds sold and reverse repurchase $ 0.06 million
Net loans and leases $ 1,732.31 million
Loan loss allowance $ 19.34 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.54 million
Goodwill and other intangibles $ 59.05 million
All other assets $ 82.40 million
     Total Assets $ 2.42 billion

LIABILITIES
Total deposits $ 2.14 billion
      Interest-bearing deposits $ 1,672.97 million
      Deposits held in domestic offices $ 2.14 billion
      % insured (estimated)" 66.04%
Federal funds purchased and repurchase agreements $ 22.78 million
Trading liabilities N.A.
Other borrowed funds $ 111.08 million
Subordinated debt N.A.
All other liabilities $ 13.13 millionn
      Total Liabilities $ 2.42 billion
      Shareholders’ Equity $ 357.32 million

Summary Income Statement as of December 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 133.00 million
Total Interest Expense $ 47.55 million
Net interest income $ 85.44 million
Provision for loan and lease losses $ 1.00 million
Total non interest income $ 13.97 million
Total non interest expense $ 74.30 million
Pre-tax Net Operating Income $ 16.57 million

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