Southern Bancorp Bank
Headquartered in Arkadelphia, AR. Analysis based on 156 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $150.3M.
Total 7(a) loans
156
Total approved
$150.3M
Average loan
$964K
States funded in
11
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
12.90%
Average rate
7.31%
Average term
154 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 624410 | Child Day Care Services | 19 |
| 112310 | Chicken Egg Production | 13 |
| 112320 | Broilers and Other Meat Type | 13 |
| 722511 | Full-Service Restaurants | 9 |
| 811111 | General Automotive Repair | 4 |
| 621399 | Offices of All Other Miscellaneous Health Practitioners | 4 |
| 713940 | Fitness and Recreational Sports Centers | 3 |
| 112390 | Other Poultry Production | 3 |
| 113310 | Logging | 3 |
| 115112 | Soil Preparation, Planting, and Cultivating | 2 |
Top 10 states
| State | Loans |
|---|---|
| AR | 113 |
| MS | 26 |
| TN | 4 |
| TX | 3 |
| CA | 2 |
| KS | 2 |
| OK | 2 |
| LA | 1 |
| WI | 1 |
| FL | 1 |
Top franchise brands financed
22 franchise loans across 8 distinct brands.
| Franchise | Loans |
|---|---|
| The Goddard School | 15 |
| Grease Monkey | 1 |
| Napa AutoCare Program Membersh | 1 |
| StretchMed | 1 |
| Goosehead Insurance | 1 |
| Once Upon A Child | 1 |
| The Lash Lounge | 1 |
| Pirtek | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.