Southern Bancorp is one of the largest rural development banks in the United States and is headquartered in Arkadelphia, Ark. The bank offers a variety of banking and financial products, investment tools and loans to residents throughout Arkansas and Mississippi. Southern Bancorp offers services, such as checking and savings accounts, money market accounts, certificates of deposit, home mortgages, home equity loans, lines of credit, and personal and commercial loans. The bank also provides accessory services, such as debit cards, safe deposit boxes, direct deposit and check reordering services. Southern Bancorp owns and operates several community development banks in Arkadelphia, Bismarck, Hot Springs and Malvern, Ark.; as well as Clarksdale, Drew, Friars Point, Greenville, Shelby, Webb, Leland, Lula and Ruleville, Miss. Southern Bancorp has more than $1 billion invested in the Delta regions of Arkansas and Mississippi, as well as assets in excess of $500 million. Southern Bancorp provides a wide range of responsive financial services, including a variety of checking, savings and ready investment accounts, as well as loans, debit and credit cards. The bank also offers online and phone banking services.