Southern Bancorp Bank: SBA Lending Profile
Certified CDFI, U.S. Treasury
Southern Bancorp Bank is an FDIC-insured bank, headquartered in Arkadelphia, AR. It is active in 11 states, concentrated around AR, MS, TN. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes Southern Bancorp Bank actually approves
The median SBA approval at Southern Bancorp Bank is $378,400. The middle 80% of its loans fall between $50,000 and $2,893,700. The smallest approval on record since 2020 is $15,000 and the largest is $4,824,000. If the amount you need sits far outside that range, this is probably not the right first call, no matter what the website says.
Industries it funds most
| Industry | Loans since 2020 | Share |
|---|---|---|
| Child Day Care Services | 19 | 11.2% |
| Broilers and Other Meat Type Chicken Production | 16 | 9.4% |
| Chicken Egg Production | 15 | 8.8% |
| Full-Service Restaurants | 12 | 7.1% |
| General Automotive Repair | 4 | 2.4% |
| Other Poultry Production | 4 | 2.4% |
| Offices of All Other Miscellaneous Health Practitioners | 4 | 2.4% |
| Other Building Material Dealers | 4 | 2.4% |
| Fitness and Recreational Sports Centers | 3 | 1.8% |
| Logging | 3 | 1.8% |
| Meat Markets | 2 | 1.2% |
| Snack and Nonalcoholic Beverage Bars | 2 | 1.2% |
Conventional small business lending, beyond SBA
SBA loans are a fraction of most banks' small business lending. Under the Community Reinvestment Act, Southern Bancorp Bank reported 1,165 small business loan originations in 2024, totaling $164M, at an average of about $141K per loan across 14 states. 69.4% of those loans went to businesses with under $1M in annual revenue.
Borrower profile
- This institution is a Treasury-certified Community Development Financial Institution. CDFIs exist specifically to fund businesses and communities that conventional lenders often decline.
- 62% of its recent SBA loans went to startups or businesses under two years old, which is high, most SBA lenders skew heavily toward established companies.
- Collateral was taken on 97.1% of its recent SBA loans.
- 14.1% of its SBA lending is revolving lines of credit rather than term loans.
- 18.8% of its loans carry fixed rates; the rest are variable.
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Sources and limits. Figures are derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records (data as of 2026-06-30, retrieved 2026-08-08) and FDIC public institution data. CDFI certification status from the U.S. Treasury CDFI Fund certified institution list. Conventional small business lending figures from FFIEC CRA disclosure data (2024 activity year); CRA loan counts include business credit card originations at some institutions. They describe past lending activity only. They are not rate quotes, not current offers, and not an indication that any business will qualify. Lender programs and criteria change. Big Brain Funding is not affiliated with or endorsed by Southern Bancorp Bank.