HMDA records
1,243
2025
Public institution profile · Bank · Not a recommendation
Southern Bancorp Bank
BankArkadelphia, ARActive
FDIC certificate 1528
Data observedAugust 5, 2026Section records may have different source dates.
- Public-source data
- Source-linked records
- No paid lender rankings
- See methodology
- Correct the record
Identifiers, verification, and corrections
Stable identifiers
Publication-authorized verified identifiers only. Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.
- FDIC certificate
- 1528
- company ID
- Not published — no verified match
More identifiers
- Federal Reserve
- 852544
- OCC charter number
- Not published — no verified match
- Not published — no verified match
- Official website
- https://www.banksouthern.com
Verify at FDICVerify at FFIEC NIC / regulator
Identity verified through FDIC; additional sources pendingVerification describes the U.S. Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Profile notes
This is a descriptive public-record research profile. It is not a recommendation, eligibility decision, product assessment, or rate quote.
Data correction
Institutions or readers may request review when a published field differs from an official source. Provide the relevant official source URL with the request.
Request a correctionAt a glance
- Institution type
- Bank
- Status
- Active
- Headquarters
- Arkadelphia, AR
- HMDA activity
- Published activity year 2025
- Listed branch locations
- 58
- Complaint records
- CFPB search status is not currently available.
- CRA examinations
- Outstanding, exam March 17, 2025
- Institution history
- 9 published events
What USMI publishes
Public records USMI has matched to this institution. The sections below keep the evidence, the source, and that section's date together.
- Institution type
- Bank
- Status
- Active
- Headquarters
- Arkadelphia, AR
- activity
- Published activity year 2025
- Listed branch locations
- 58
- Complaint records
- CFPB search status is not currently available.
- CRA examinations
- Outstanding, exam March 17, 2025
- Institution history
- 9 published events
Mortgage FAQ: How can I check whether a company or person can make or broker mortgage loans? This is general mortgage education, not a finding about this institution.
What this profile is not
- Not a lender recommendation or ranking.
- Not a mortgage rate sheet or quote.
- Not an underwriting, approval, or eligibility decision.
- Not proof of an NMLS license unless a verified NMLS company ID/source is specifically published.
- Not a complaint-resolution channel.
- Missing source blocks do not establish that an institution lacks an activity, identifier, license or regulatory record.
HMDA
Mortgage activity
Reported records for the selected year. These figures are not a lender score.
1,243reported records
794reported originations
2025 reported mortgage activity. Source: HMDA.
HMDA2025The year selector below shows each published activity year.
activity
Mortgage activity reported in HMDA. Public HMDA records are available for 2018–2025.
Geographynationwide
HMDA source observed2026-08-09
Loan originations
794
2025
Denials
125
2025
Withdrawals
228
2025
Denial rate among decisioned applications
12.4%
2025
Annual history
Scroll sideways to review every HMDA column.
| Year | HMDA records | Originations | Approved but not accepted | Denials | Withdrawals | Denial rate |
|---|---|---|---|---|---|---|
| 2025 | 1,243 | 794 | 91 | 125 | 228 | 12.4% |
| 2024 | 1,001 | 694 | 84 | 94 | 125 | 10.8% |
| 2023 | 722 | 602 | 44 | 58 | 18 | 8.2% |
| 2022 | 988 | 824 | 61 | 86 | 16 | 8.9% |
| 2021 | 1,022 | 841 | 65 | 87 | 29 | 8.8% |
| 2020 | 928 | 684 | 86 | 138 | 20 | 15.2% |
| 2019 | 838 | 653 | 66 | 97 | 21 | 11.9% |
| 2018 | 908 | 718 | 63 | 105 | 22 | 11.9% |
Detailed activity
Loan type and purpose
| Category | HMDA records |
|---|---|
| Conventional | 1,110 |
| FHA | 116 |
| VA | 10 |
| RHS / FSA | 7 |
| Home purchase | 760 |
| Home improvement | 136 |
| Refinancing | 264 |
| Cash-out refinancing | 36 |
State reporting
17 states / territories reported
How to read these figures
HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.
CFPB
CFPB consumer submissions
Complaints are consumer submissions and are not findings of wrongdoing.
CFPBComplaint coverage dates are shown with the records. They are not the profile observed date.
CFPB Mortgage Complaint Activity
No published complaint result found
No mapped CFPB mortgage complaint activity is currently published on this profile under U.S. Mortgage Index's verified entity-matching methodology. This is not a finding that no complaint exists under another company name, affiliate, source attribution, period, or configuration.
This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.
CFPB complaint records are submissions received by the Consumer Financial Protection Bureau.
Complaint volume is context. It is affected by company size, servicing volume, time in market and consumer awareness. It is not proof of wrongdoing.
Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.
Learn more: What can I do if I think a mortgage lender discriminated against me? This is general mortgage education, not a finding about this institution.
Regulatory records
Regulatory & institutional records
Only records that apply to this institution are shown. Identifiers stay as published.
FFIEC NICAugust 19, 2026Observed date for the NIC institution record.
Institution identity
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- Southern Bancorp Bank
- Display name
- Southern Bancorp Bank
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- January 1, 1934
- Established date
- March 1, 1884
- Charter class
- State-chartered commercial bank, member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Reserve Board
- Headquarters
- Arkadelphia, AR, 71923, United States
- Website
- https://www.banksouthern.com
- FDIC certificate number
- 1528
- Federal Reserve
- 852544
- Domestic location count
- 57
- Source observed
- August 5, 2026
Regulatory information
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FRS
- Institution type
- State Member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 1528
- Federal Reserve
- 852544
- 549300JQEF6V2RNWCC75
- Headquarters
- 601 Main Street, Arkadelphia, AR, 71923, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Outstanding
- Exam date
- March 17, 2025
- Regulator
- Federal Reserve
- Examination method
- Large Bank Exam
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| March 17, 2025 | Outstanding | Federal Reserve | Large Bank Exam |
| August 8, 2022 | Outstanding | Federal Reserve | Large Bank Exam |
| July 29, 2019 | Outstanding | Federal Reserve | Intermediate Small Bank |
| March 20, 2017 | Outstanding | Federal Reserve | Intermediate Small Bank |
| January 12, 2015 | Outstanding | Federal Reserve | Intermediate Small Bank |
| November 26, 2012 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| December 1, 2008 | Satisfactory | Federal Reserve | Small Bank |
| December 1, 2004 | Satisfactory | FDIC | Small Bank |
| May 1, 1999 | Outstanding | FDIC | Small Bank |
| September 1, 1996 | Outstanding | FDIC | Small Bank |
| August 1, 1994 | Satisfactory | FDIC | Not Reported |
| September 1, 1991 | Outstanding | FDIC | Not Reported |
Formal hierarchy
FFIEC NIC hierarchy rows
6
Showing 1 through 6 of 6 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | HISTORIC OLIVER, LLC | Domestic Entity Other | Arkadelphia, AR |
| Direct relationship | SBC INVESTMENTS, INC. | Domestic Entity Other | Las Vegas, NV |
| Direct relationship | SOUTHERN BANCORP INVESTMENT FUND I, LLC | Domestic Entity Other | Arkadelphia, AR |
| Direct relationship | SOUTHERN BANCORP INVESTMENT FUND II, LLC | Domestic Entity Other | Arkadelphia, AR |
| Direct relationship | SOUTHERN BANCORP INVESTMENT FUND III, LLC | Domestic Entity Other | Arkadelphia, AR |
| ROOT_INSTITUTION | SOUTHERN BANCORP BANK | State Member Bank | Arkadelphia, AR |
These rows are the FFIEC NIC formal hierarchy. They are not branch locations and they are not the separate institution-relationship records.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered member bank
Locations
Branch and office locations
Start with the published count and primary location. Search stays paged so the first view stays readable.
FFIEC NIC branchesAugust 19, 2026Branch rows are paged. Filters stay in the page address.
Branch locations
Listed locations from FFIEC NIC. Counts use the published branch record, not a store locator.
Branch network
Listed locations
58
Showing 1 through 50 of 58 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| WEST PINE BRANCH | 2500 Pine ST | Arkadelphia | AR | 71923 |
| BARTON BRANCH | 6011 Highway 49 | Barton | AR | 72312 |
| BISMARCK BRANCH | 6764 Arkansas 7 | Bismarck | AR | 71929 |
| BLYTHEVILLE MAIN OFFICE BRANCH | 120 South Second Street | Blytheville | AR | 72315 |
| EAST BRANCH | 1040 East Main Street | Blytheville | AR | 72315 |
| GOSNELL BRANCH | 599 Airbase Highway | Blytheville | AR | 72315 |
| NORTH BRANCH | 807 North 6th Street | Blytheville | AR | 72315 |
| SOUTH BRANCH | 1012 South Division Street | Blytheville | AR | 72315 |
| DEWITT BRANCH | 220 West Cross | Dewitt | AR | 72042 |
| TIMBERLAND BRANCH | 2421 North West Avenue | El Dorado | AR | 71730 |
| WEST HILLSBORO BRANCH | 1615 West Hillsboro | El Dorado | AR | 71730 |
| MAIN STREET BRANCH | 128 Main Street | Elaine | AR | 72333 |
| EUDORA BRANCH | 2943 Highway 65 South | Eudora | AR | 71640 |
| FAYETTEVILLE LOAN PRODUCTION OFFICE | 2827 East Millennium Place, Suite 2 | Fayetteville | AR | 72703 |
| GLENWOOD BRANCH | #3 Caddo Crossing | Glenwood | AR | 71943 |
| GURDON BRANCH | 600 Main Street | Gurdon | AR | 71743 |
| HAMBURG BRANCH | 210 North Main Street | Hamburg | AR | 71646 |
| CHERRY STREET BRANCH | 502 Cherry Street | Helena | AR | 72342 |
| AIRPORT ROAD BRANCH | 206 Airport Road | Hot Springs | AR | 71913 |
| HOT SPRINGS - EAST BRANCH | 2212 Malvern Avenue, Suite 1 | Hot Springs | AR | 71901 |
| HOT SPRINGS -CENTRAL BRANCH | 4138 Central Avenue | Hot Springs | AR | 71913 |
| JONESBORO BRANCH | 2508 E. Highland Dr. | Jonesboro | AR | 72401 |
| 12TH STREET BRANCH | 3999 W. 12th Street, Ste. 120 | Little Rock | AR | 72204 |
| KANIS ROAD LOAN PRODUCTION OFFICE | 8924 Kanis Road | Little Rock | AR | 72205 |
| LITTLE ROCK LPO | 400 Hardin Rd., Ste 100 | Little Rock | AR | 72211 |
| LOCKESBURG BRANCH | Main And Redbud Streets | Lockesburg | AR | 71846 |
| ASH STREET BRANCH | 208 South Ash Street | Malvern | AR | 72104 |
| MANILA BYPASS BRANCH | 403 State Highway 18 East | Manila | AR | 72442 |
| MARION BRANCH | 205 Block St. | Marion | AR | 72364 |
| MARVELL BRANCH | 911 Highway 49 | Marvell | AR | 72366 |
| MT IDA BRANCH | 506 Highway 270 East | Mount Ida | AR | 71957 |
| STUTTGART BRANCH | 620 East 22nd Avenue | Stuttgart | AR | 72160 |
| TRUMANN BRANCH | 326 Highway 463 North | Trumann | AR | 72472 |
| QUARLES LANE BRANCH | 432 Sebastain | West Helena | AR | 72390 |
| WEST HELENA BRANCH | 425 East Plaza Street | West Helena | AR | 72390 |
| WEST MEMPHIS BRANCH | 1103 North Missouri Street | West Memphis | AR | 72301 |
| CANTON BRANCH | 648 E. Peace St. | Canton | MS | 39046 |
| PICAYUNE BRANCH | 9 Lakeshore Drive | Carriere | MS | 39426 |
| SBA LPO CARTHAGE, MS | 101 East Franklin Street, Suite D | Carthage | MS | 39051 |
| SOUTH STATE STREET BRANCH | 875 South State Street | Clarksdale | MS | 38614 |
| DREW BRANCH | 108 North Main Street | Drew | MS | 38737 |
| GREENVILLE BRANCH | 215 South Broadway | Greenville | MS | 38701 |
| GREENVILLE HIGHWAY BRANCH | 1868 Highway One | Greenville | MS | 38701 |
| HATTIESBURG BRANCH | 3002 Hardy Street, Ste. 100 | Hattiesburg | MS | 39401 |
| HERNANDO BRANCH | 970 Byhalia Road | Hernando | MS | 38632 |
| INDIANOLA BRANCH | 507 Highway 82 East | Indianola | MS | 38751 |
| LAMBERT BRANCH | 815 Darby Avenue | Lambert | MS | 38643 |
| LELAND BRANCH | 323 Highway 82 East | Leland | MS | 38756 |
| LULA BRANCH OFFICE | 111 Second Street | Lula | MS | 38644 |
| MADISON BRANCH | 1888 Main Street Crossing, Suite D | Madison | MS | 39110-6337 |
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
History
Institution history
Events are listed by date. The source event type is kept with the record.
HistoryAugust 19, 2026Event dates come from the source row. The observed date is when USMI reviewed the file.
Institution history
History events from FFIEC NIC, newest first. USMI does not add a merger or failure narrative.
Institutional history
FFIEC NIC history events
9
Showing 1 through 9 of 9 history events
| Event date | Event type | Related institution |
|---|---|---|
| February 18, 2023 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| May 15, 2021 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| June 3, 2017 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| December 13, 2014 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| May 15, 2010 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| May 15, 2010 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| November 1, 2009 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| November 1, 2009 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| June 27, 2009 | Charter Discontinued (Merger or Purchase & Assumption) | — |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
SourcesEach source keeps its own observed date. Dates are not combined into one profile date.
Sources & methodology
Sources are shown as recorded in the published public views. Observed dates describe when a public record was reviewed, not a real-time update.
FDIC BankFind
Source reviewed2026-08-05
Limitation
FDIC fields describe the institution record USMI reviewed. They are not a recommendation or a real-time license check.
CFPB Consumer Complaint Database search
Source reviewed2026-08-05
Limitation
Complaint records are consumer submissions. A complaint is not proof of wrongdoing, and absence from this profile is not proof that no complaint exists elsewhere.
HMDA modified LAR
Source reviewed2026-08-05
Limitation
HMDA counts describe reported records for the published geography and year. They are not a quality score or a market-rank.
FFIEC NIC institution profile
Source reviewed2026-08-19
Limitation
The observed date is when USMI reviewed the public NIC record. It is not a real-time status feed.
FFIEC NIC branches
Source reviewed2026-08-19
Limitation
Branch rows are FFIEC NIC listed locations, not a consumer-facing store locator.
FFIEC NIC organizational hierarchy
Source reviewed2026-08-19
Limitation
Hierarchy rows are the FFIEC-reported structure. They are not a complete legal-ownership opinion and they are not branch locations.
FFIEC NIC institution history
Source reviewed2026-08-19
Limitation
History events are shown as reported by FFIEC NIC. USMI does not add a merger or failure narrative.
FFIEC CRA Ratings Database
Source reviewed2026-08-28
Limitation
A CRA rating is the regulator's examination result for the date shown. It is not a USMI rating.