STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
GOOD
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
246
2010–2026
Total Volume
$229M
Gross loan amounts
States Active
25
With recorded loans
Programs
7(a) & 504
246 total segments
Southern Bancorp Bank has a strong focus on startups, with 49% of their SBA deals dedicated to new businesses. This is higher than the typical lender, making them a great option for first-time borrowers.
With an average 7(a) spread of P+0.98%, Southern Bancorp Bank offers competitive pricing compared to the national median of P+2.75%. This could lead to significant savings on interest costs for borrowers.
Despite a slight decline in growth trend at -5% YoY, Southern Bancorp Bank maintains a diverse portfolio with a significant 22% of their deals being 504 loans, indicating a balanced approach to financing options.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 53 504 loans, which use fixed SBA debenture rates.
Top 15 of 25 states where Southern Bancorp Bank has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Agriculture & Forestry
Agriculture & Forestry
Social Assistance
Health Care & Social Assistance
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Other Health Practitioners
Health Care & Social Assistance
Retail Trade
Retail Trade
Specialty Trade Contractors
Construction
Personal Care (Salons, Spas)
Other Services
+ 7 more
All recorded SBA lending activity for Southern Bancorp Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Arkansas · Agriculture & Forestry · $2M – $5M | 7(a) | 16 | P+0.75% | $3.3M | Q4 2025 |
| Mississippi · Agriculture & Forestry · $2M – $5M | 7(a) | 9 | P+0.50% | $2.9M | Q2 2025 |
| Arkansas · Social Assistance · $500K – $1M | 7(a) | 7 | P+0.50% | $794K | Q1 2025 |
| Arkansas · Social Assistance · Under $150K | 7(a) | 5 | P+0.50% | $104K | Q4 2024 |
| Arkansas · Restaurants & Food Service · Under $150K | 7(a) | 5 | P+1.00% | $51K | Q4 2024 |
| Arkansas · Other Health Practitioners · $150K – $350K | 7(a) | 5 | P+0.75% | $221K | Q1 2025 |
| Arkansas · Personal Care (Salons, Spas) · Under $150K | 7(a) | 5 | P+1.00% | $33K | Q3 2023 |
| Arkansas · Agriculture & Forestry · $1M – $2M | 7(a) | 5 | P+0.75% | $1.5M | Q1 2021 |
| Arkansas · Retail Trade · Under $150K | 7(a) | 4 | P+1.63% | $65K | Q4 2024 |
| Arkansas · Restaurants & Food Service · $150K – $350K | 7(a) | 4 | P+0.88% | $219K | Q4 2024 |
| Arkansas · Auto Repair & Maintenance · Under $150K | 7(a) | 4 | P+1.00% | $58K | Q2 2022 |
| Mississippi · Agriculture & Forestry · $1M – $2M | 7(a) | 4 | P+0.50% | $1.5M | Q3 2024 |
| Arkansas · Social Assistance · $2M – $5M | 7(a) | 3 | P+0.95% | $4.0M | Q2 2022 |
| Arkansas · Engineering & Architecture · Under $150K | 7(a) | 3 | P+2.00% | $59K | Q3 2025 |
| Arkansas · Other Repair & Services · Under $150K | 7(a) | 3 | P+0.50% | $60K | Q3 2025 |
| Arkansas · Transportation & Warehousing · $150K – $350K | 7(a) | 3 | P+1.00% | $318K | Q2 2025 |
| Arkansas · Other Health Practitioners · Under $150K | 7(a) | 3 | P+0.50% | $119K | Q3 2025 |
| Mississippi · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+0.25% | $228K | Q4 2025 |
| Arkansas · Manufacturing · Under $150K | 7(a) | 3 | P+0.75% | $73K | Q2 2025 |
| Arkansas · Agriculture & Forestry · Under $150K | 7(a) | 3 | P+1.50% | $62K | Q1 2025 |
| Arkansas · Agriculture & Forestry · $150K – $350K | 7(a) | 3 | P+0.25% | $191K | Q4 2024 |
| Arkansas · Specialty Trade Contractors · Under $150K | 7(a) | 2 | P+1.63% | $87K | Q1 2025 |
| Mississippi · Finance & Insurance · Under $150K | 7(a) | 2 | P+0.75% | $54K | Q1 2023 |
| Arkansas · Restaurants & Food Service · $500K – $1M | 7(a) | 2 | P+1.50% | $794K | Q4 2024 |
| Arkansas · Real Estate · $500K – $1M | 7(a) | 2 | P+0.25% | $838K | Q1 2025 |
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