English 
Spanish 
Ron Magby
Division President
Ron has 32 years of banking experience, specializing in consumer lending, commercial loans, and SBA financing. His expertise includes commercial & industrial loans and property purchase or refinance solutions. He’s married to Melissa and is the proud father of three children—Spencer, Emily, and Molly. Ron is also the cofounder of the Miracle League of Garland County and enjoys outdoor activities and classic cars. Ron has been named Best Banker multiple times by Hot Springs Sentinel Record Readers' Choice. Need a lender with experience and a strong community connection? Give Ron a call today.
Ron Magby specializes in
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
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
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