Southern Bancorp Bank

Arkadelphia, ArkansasFDIC Cert #1528

STATEEstablished 188457 branches

Holding company: SOUTHERN BCORP INCRegulator: FED

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$250M
Investor CRE	$188M
Multifamily	$81.7M
Construction	$310M
1–4 family	$493M
C&I	$208M
Agriculture	$269M
Other	$51.6M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$1.85B

+6.3%y/y

Percentile by value87th percentileby value

FDICLNLSGR

Net loans

$1.83B

+6.3%y/y

Percentile by value87th percentileby value

FDICLNLSNET

Loans YoY

+6.29%

−39.6%y/y

Percentile by value49th percentileby value

FDICLNLSNET

L/D

84.2%

+4.3%y/y

Percentile by value50th percentileby value

FDICLNLSNET + DEP

Loans/assets

65.2%

+5.2%y/y

Percentile by value28th percentileby value

FDICLNLSNET + ASSET

RE loans %

84.55%

+2.1%y/y

Percentile by value51st percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

1,556points

−1.3%y/y

Peer standing84th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

13.49%

+1.6%y/y

Percentile by value54th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

10.16%

−12.8%y/y

Percentile by value15th percentileby value

FDICLNRENROT + LNLSGR

C&I %

11.22%

−12.4%y/y

Percentile by value49th percentileby value

FDICLNCI + LNLSGR