{"citation":"Southern Bancorp Bank SBA loans. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/sba-express-lenders/southern-bancorp-bank/ Source: SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026 (https://data.sba.gov/dataset/7a-504-foia).","url":"https://www.sbaexpress.loans/sba-express-lenders/southern-bancorp-bank/","title":"Southern Bancorp Bank SBA loans","data_as_of":"2026-06-30","checked":null,"sources":[{"label":"SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026","url":"https://data.sba.gov/dataset/7a-504-foia"},{"label":"13 CFR § 120.214(d)","url":"https://www.ecfr.gov/current/title-13/section-120.214"},{"label":"SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)","url":"https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"},{"label":"SOP 50 10 8.1, Sec. B, Ch. 2, Para. C.2 (Para. C begins p. 127)","url":"https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"},{"label":"FDIC BankFind: institution directory (headquarters and website)","url":"https://banks.data.fdic.gov/bankfind-suite/bankfind"}],"data":{"lender":{"name":"Southern Bancorp Bank","legal_name":"Southern Bancorp Bank","type":"bank","headquarters_city":"Arkadelphia","headquarters_state":"AR","fdic_certificate":1528,"ncua_charter":null,"regulator_status":"active","website":"https://www.banksouthern.com","rank_by_loans":166,"lenders_ranked":807},"window":{"id":"recent","from":"2023-10-01","to":"2026-06-30"},"loans":111,"dollars_approved":95931400,"median_loan":350000,"loan_25th_percentile":131000,"loan_75th_percentile":1070500,"median_term_months":120,"median_starting_rate_pct":8.0,"median_starting_rate_window":{"id":"recent","from":"2023-10-01","to":"2026-06-30"},"median_spread_over_prime_points":0.5,"sba_express_share_pct":17.1,"line_of_credit_share_pct":15.3,"loans_by_size":{"$50,000 or less":10,"$50,001 to $150,000":20,"$150,001 to $350,000":27,"$350,001 to $500,000":10,"$500,001 to $1,000,000":15,"$1,000,001 to $2,000,000":13,"Over $2,000,000":16},"loans_by_business_age":{"In business more than 2 years":29,"In business 2 years or less":20,"Startup: the loan opens the business":47,"Change of ownership":15,"Not answered":0},"top_states":{"Arkansas":72,"Mississippi":26},"top_industries":{"Full-Service Restaurants":11,"Broilers and Other Meat Type Chicken Production":9,"Child Care Services":8,"Chicken Egg Production":7},"loans_by_fiscal_year":{"2020":8,"2021":25,"2022":17,"2023":9,"2024":29,"2025":51,"2026":31},"charge_offs":{"loans_approved_in":"FY2020 to FY2022","loans":50,"charged_off_pct_of_loans":0.0,"charged_off_pct_of_dollars":0.0},"all_lenders":{"median_loan":150300,"median_spread_over_prime_points":2.75,"sba_express_share_pct":35.8,"line_of_credit_share_pct":28.1,"charged_off_pct_of_loans":3.6},"note":"Null means fewer than 5 loans. Loans SBA approved only: the file has no denials."}}