B
Southern Bancorp Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Southern Bancorp Bank
Arkadelphia, AR
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Rating B
Asset Quality Index 5.20
Capitalization Index 9.30
Liquidity Index 2.10
Profitability Index 4.10
Stability Index 9.70
Company Info Southern Bancorp Bank
Arkadelphia, AR
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FDIC Number 1528
Phone Number (870) 246-5811
Website banksouthern.com
Asset Quality Southern Bancorp Bank
Arkadelphia, AR
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1-Year Asset Growth 0.37%
5-Year Asset Growth 17.18%
5-Year Charge-Offs to Average Loans 0.08%
Charge-Offs to Average Loans 0.17%
Non-Performing Assets to Assets 1.41%
Non-Performing Loans to Capital 4.85%
Non-Performing Loans to Loans 2.20%
Balance Sheet Southern Bancorp Bank
Arkadelphia, AR
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Total Assets 2.75B
Total Deposits 2.09B
Capital and Reserves Southern Bancorp Bank
Arkadelphia, AR
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Capital 379.72M
Leverage Ratio 13.39
Loan Loss Reserves to Loans 1.02%
Risk-Based Capital Ratio 19.80
Liquidity Southern Bancorp Bank
Arkadelphia, AR
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Hot Money Ratio 18.64%
Liquidity Ratio 7.33%
Profitability Southern Bancorp Bank
Arkadelphia, AR
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5-Year Return on Average Assets 0.98%
Net Income 16.45M
Net Interest Spread 3.65%
Operating Profit to Average Assets 0.87%
Overhead Efficiency Ratio 75.60%
Return on Assets 0.80%
Return on Equity 5.97%