Uplift Bank

Phone

800-789-3428 From the lender's website, retrieved November 9, 2026.

Website

www.banksouthern.comFrom the FDIC record, November 9, 2026.

Names it files under

SOUTHERN BANCORP BANK; Southern Bancorp BankFDIC institution record, Nov 9, 2026

Address

601 Main St, Arkadelphia, AR 71923FDIC institution record, Nov 9, 2026

Regulator record

FDIC BankFind

Recorded lending. Two or more public files show loans this lender made.

What changed. Uplift Bank's Multifamily balance rose 12.3% to $91.8M in the quarter ended June 30, 2026. FDIC call reports, Jun 30, 2026

Reference only: $500M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.

How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: name and lender office city.

Other lenders in these fields: SBA lenders for restaurants, SBA lenders for child care businesses, SBA lenders for professional services firms.

Programs on record: Federal Home Loan Bank member, Dallas district (FHFA).

• Uplift Bank reported making 1,165 small business loans totaling $163,748,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
• By size when made: 750 of $100,000 or less, 235 over $100,000 up to $250,000, 180 over $250,000 up to $1 million.
• 809 of them, totaling $82,720,000, went to businesses with revenue of $1 million or less.
• Uplift Bank reported making 303 small farm loans totaling $37,889,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
• By size when made: 187 of $100,000 or less, 63 over $100,000 up to $250,000, 53 over $250,000 up to $500,000.
• 220 of them, totaling $23,366,000, went to farms with revenue of $1 million or less.

In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.

Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.

How this filing was tied to this bank: RSSD (respondent ID) + transmittal RSSD.

• Listed by CDFI Fund: List of Certified CDFIs as: Certified CDFI (October 21, 2026). Certified by the CDFI Fund as a Community Development Financial Institution. Kind of institution: Bank or Thrift. Certification: Certified by the CDFI Fund since 2014-03-13.
• Listed by CDFI Fund: NMTC allocatee awards and NMTC Public Data Release (FY2003-FY2023) as: New Markets Tax Credit allocatee (November 11, 2026). Named by the CDFI Fund as an allocatee of New Markets Tax Credits. 2024 allocation: $85.0M. 2020 allocation: $50.0M. 2019 allocation: $50.0M. 2019 allocation: $50.0M.

Being on a list says the lender is a member of that program on the date shown. It does not say how much it lends.

CDFI Fund: List of Certified CDFIs, Oct 21, 2026CDFI Fund: NMTC allocatee awards and NMTC Public Data Release (FY2003-FY2023), Nov 11, 2026

• Uplift Bank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $28,354,000 for 1-4 family residential construction and $243,689,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
• Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $53,614,000. These are credit lines not yet used.

FFIEC Call Report, Jun 30, 2026

Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.

• Uplift Bank has 54 offices in 26 counties and 2 states (FDIC Summary of Deposits, June 30, 2026): 47 full service and 7 limited service.

Loan production offices are not in this file. A bank with no office here can still lend here.

Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.

Preferred Lender authority

77 loans (61.6%)

SBA Express

20 loans

Approval to first disbursement

27 days, median of 106

SBA FOIA, Sep 30, 2026 SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.

Compare these lenders side by side

Regulator

Federal Reserve

FDIC certificate

1528

RSSD

852544

LEI

549300JQEF6V2RNWCC75

The Lender Report ID

lr_000605

FDIC classifies this bank as

Commercial Lending Specialization

Ownership

Stock

FDIC institution record, Nov 9, 2026 The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.

Sources

• FDIC institution record, November 9, 2026
• FDIC office list, October 28, 2026
• FDIC call report, June 30, 2026
• FDIC call report, June 30, 2025
• HMDA, 2025
• SBA FOIA, September 30, 2026
• FFIEC Call Report, June 30, 2026
• FDIC call reports, June 30, 2026
• FFIEC CRA disclosure data, 2024
• FDIC Summary of Deposits, June 30, 2026
• CDFI Fund certified list, October 21, 2026
• CDFI Fund New Markets Tax Credit allocatees, November 11, 2026

Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.

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