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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 - June 08, 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 $ 2.78 billion
Loans $ 1,828.07 million
Deposits $ 2.12 billion
Capital $ 387.68 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 144.86 million
Interest-bearing balances $ 115.79 million
Total securities $ 564.31 million
Federal funds sold and reverse repurchase $ 0.06 million
Net loans and leases $ 1,828.07 million
Loan loss allowance $ 20.14 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.70 million
Goodwill and other intangibles $ 58.28 million
All other assets $ 82.40 million
     Total Assets $ 2.39 billion

LIABILITIES
Total deposits $ 2.12 billion
      Interest-bearing deposits $ 1,694.27 million
      Deposits held in domestic offices $ 2.12 billion
      % insured (estimated)" 65.64%
Federal funds purchased and repurchase agreements $ 15.15 million
Trading liabilities N.A.
Other borrowed funds $ 111.08 million
Subordinated debt N.A.
All other liabilities $ 13.13 millionn
      Total Liabilities $ 2.39 billion
      Shareholders’ Equity $ 387.68 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 141.74 million
Total Interest Expense $ 49.00 million
Net interest income $ 92.74 million
Provision for loan and lease losses $ 3.40 million
Total non interest income $ 15.93 million
Total non interest expense $ 79.59 million
Pre-tax Net Operating Income $ 16.57 million

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