Southern Bancorp revitalises rural communities in north-eastern and southern Arkansas and western Mississippi. This region is among the poorest of the United States with an estimated 28% of the population living below the poverty line. Traditional brick and mortar financial servicing has dwindled or even disappeared, creating a void that leaves many without access to the capital needed to build wealth. Southern Bancorp fills this gap as one of the few banks active in this region, and, in many areas, it is the only bank available. Focusing on underserved communities, the bank combines traditional banking and lending services with financial development tools and public policy advocacy to help families and communities grow financially stronger. For example, it supports people in attaining affordable housing, supports jobs by facilitating entrepreneurship with capital and capacity and empowers people to save.