Southern Bancorp Bank s location in Ruleville, Miss. is a subsidiary of Southern Bancorp, which 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 Bank 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.. Banking Services Banks Investment Services Loans