Southern Bank
Southern Bank is a community banking institution headquartered in Poplar Bluff, Missouri, serving more than 50 communities across Missouri, Arkansas, Illinois, and Kansas. With $4.3 billion in assets and a legacy spanning over 130 years since its founding in 1887, the bank combines modern banking capabilities with a small-town feel.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (6 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
Southern Bank ranks #151 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of Southern Bank’s 7(a) acquisition lending falls in the $0-$500K range: 6 loans, 100.0% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 6 | 100.0% |
Industries with highest loan volume
Financial Transactions Processing, Reserve, and Clearinghouse Activities
1
loans
$408K
avg. amount
All Other Personal Services
1
loans
$120K
avg. amount
Offices of Certified Public Accountants
1
loans
$414K
avg. amount
Offices of Physicians, Mental Health Specialists
1
loans
$193K
avg. amount
Mobile Food Services
1
loans
$50K
avg. amount
Bowling Centers
1
loans
$309K
avg. amount
10-Year
1.9%
Percentile Ranking
88th
88th percentile
Southern Bank’s median variable rate is + 2.75%, against a market median of Prime + 1.88%, 88 above market.
It priced below the market median in 0 of the last 2 quarters.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.83% |
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q2 '21 | Prime + 2.75% | Prime + 2.25% | Prime + 1.75% – Prime + 2.75% | 4 |
| Q3 '21 | Prime + 2.75% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 5 |
Southern Bank has originated 7(a) acquisition loans in 2 states, most actively in Missouri (5) and Arkansas (1). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| Missouri | 5 | 83.3% |
| Arkansas | 1 | 16.7% |
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