Southern Bancorp Bank

Southern Bancorp Bank is a currently active commercial lending specialization banking institution headquartered in Arkadelphia, Arkansas. Established in 03/01/1884, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Southern Bancorp Bank manages $2.81B in total assets and holds $2.17B in customer deposits. When evaluating the stability of Southern Bancorp Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 13.05%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 0.82%, while its Return on Equity (ROE) sits at 6.06%. These robust metrics contribute to an overall health score of 8.3 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.