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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 - March 04, 2026

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 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 1528
Date Established 1884
Assets $ 2.75 billion
Loans $ 1,805.63 million
Deposits $ 2.09 billion
Capital $ 379.72 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 129.39 million
Interest-bearing balances $ 89.67 million
Total securities $ 574.91 million
Federal funds sold and reverse repurchase $ 0.06 million
Net loans and leases $ 1,805.63 million
Loan loss allowance $ 18.54 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.19 million
Goodwill and other intangibles $ 58.48 million
All other assets $ 82.40 million
     Total Assets $ 2.37 billion

LIABILITIES
Total deposits $ 2.09 billion
      Interest-bearing deposits $ 1,638.12 million
      Deposits held in domestic offices $ 2.09 billion
      % insured (estimated)" 66.26%
Federal funds purchased and repurchase agreements $ 15.70 million
Trading liabilities N.A.
Other borrowed funds $ 111.08 million
Subordinated debt N.A.
All other liabilities $ 13.13 millionn
      Total Liabilities $ 2.37 billion
      Shareholders’ Equity $ 379.72 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 105.56 million
Total Interest Expense $ 36.56 million
Net interest income $ 69.01 million
Provision for loan and lease losses $ 1.50 million
Total non interest income $ 10.77 million
Total non interest expense $ 60.32 million
Pre-tax Net Operating Income $ 16.57 million

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Branches

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Southern Bancorp Bank Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    Southern Bancorp Bank
    Bank
    ARKANSAS
    $50,000
    N.A.
    0.15%
    0.67x (National Avg. - 0.23%)
    $1
    -
    SCENARIO
    Year Rate
    0.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 75 53
    2 50,075 75 53
    3 50,150 75 53
    4 50,225 75 53
    5 50,301 75 53
    6 50,376 76 53
    7 50,452 76 53
    8 50,527 76 53
    9 50,603 76 53
    10 50,679 76 53
    11 50,755 76 53
    12 50,831 76 53
    13 50,907 76 53
    14 50,984 76 54
    15 51,060 77 54
    16 51,137 77 54
    17 51,214 77 54
    18 51,290 77 54
    19 51,367 77 54
    20 51,444 77 54
    TOTAL $1,522 $1,065
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.67x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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