Southern Bancorp, Inc.

From public data

Social impact

Who Southern Bancorp, Inc. lends to and where its deposits are held.

• Above-average small business lending13% of its loans, compared with 11% for community banks
• Above-average farm lending16% of its loans, compared with 8% for community banks

Where its loans go

Its largest lending area is business and commercial property, at 32% of its loans.

• Homesi 25%Community banks: 27%Mortgages and home equity loans on houses and other homes with one to four units.
• Apartment buildingsi 5%Community banks: 8%Loans secured by apartment buildings with five or more homes.
• Business and commercial propertyi 32%Community banks: 43%Loans to businesses, and loans secured by offices, shops, warehouses and other commercial property.
• Construction and landi 16%Community banks: 8%Loans to build homes and other buildings, and to buy and prepare land for development.
• Farmsi 16%Community banks: 8%Loans secured by farmland, and loans to farmers for crops, livestock and equipment.
• Consumer loans (cars, cards, personal)i 2%Community banks: 3%Car loans, credit card balances and other personal loans to households.
• Otheri 4%Community banks: 3%All other lending, such as loans to other financial institutions, loans to governments and leases.

Where its deposits are held

Share of its deposits held at branches in each state, across 54 offices, as of 30 June 2026.

This view is based on public information, including Southern Bancorp, Inc.'s quarterly filings with the FDIC (Southern Bancorp Bank, FDIC certificate 1528), the FDIC's Summary of Deposits and the CDFI Fund's list of certified institutions, as of 30 June 2026. Banks are compared with banks, and credit unions with credit unions. The lending figures show the loans held at the end of the quarter, so loans already sold are not included. This view is separate from the environmental responsibility rating and does not change it. It may be out of date, so please confirm details with the institution.