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Kathy Ramsey

City President

With over 42 years of banking experience, Kathy Ramsey is a trusted lender who brings both expertise and heart to every customer interaction. Specializing in commercial loans, Kathy also assists with consumer and SBA lending, helping individuals and businesses achieve their financial goals with confidence. A proud Malvern High School graduate, Kathy is deeply rooted in her community—“It’s always a great day to be a Leopard!” She’s been married for 44 years, with two daughters and three grandchildren who are the joy of her life. Her dedication to helping others extends far beyond the bank. Kathy was honored as Woman of the Year and Best Loan Officer by readers of the Malvern Daily Record, a testament to her impact. Kathy has completed numerous ABA banking courses and has championed major community initiatives. After her daughter received life-saving transfusions, she led efforts to collect thousands of units of blood for the American Red Cross. She also raised tens of thousands of dollars for the American Cancer Society, chairing and coordinating local Celebrity Waiter events and other fundraisers. Her service includes years on the Baptist Medical Center Hot Spring County Board of Directors, the City of Malvern Revolving Loan Fund Committee, the Hot Spring County Economic Development Board, and the local Rotary Club. She’s also spent many years teaching Sunday School and coaching Junior Bible Quiz at her church. In her spare time, Kathy enjoys reading, camping, and spending time with her family, especially her grandchildren. She also volunteers with local schools, including supporting the Little Rockers Marathon group, continuing her lifelong commitment to uplifting others.

Kathy Ramsey specializes in

Consumer Lending

Consumer Lending

Whether you're consolidating debt, covering unexpected expenses, or making a major purchase, our personal loan options offer flexible terms, competitive rates, and a simple approval process. At Southern Bancorp, we're committed to helping you take control of your finances and move forward with confidence.

  • Mortgage
  • Auto
  • Boat
  • ATV/RV
  • Personal
Commercial Loans

Commercial Loans

With competitive rates, customizable terms, and dedicated support, we make it easier for entrepreneurs and business owners to access the capital they need. Whether you're purchasing property, upgrading equipment, or launching a new venture, Southern Bancorp is here to back your business every step of the way.

  • Lines of Credit
  • Construction
  • Commercial Real Estate
  • Equipment and Vehicle Financing
SBA Loans

Small Business (SBA) Loans

With lower down payments, longer repayment terms, and government-backed support, Southern Bancorp helps entrepreneurs access the capital they need—whether it's for working capital, equipment, or real estate. We're proud to partner with those building stronger communities through small business success.

  • SBA-Preferred Lender
  • Award-Winning SBA Team