Southern Heritage Bank
Total assets
$397.9M
▲ +0.7% YoY
Deposits
$355.1M
▼ -0.5% YoY
Loans
$286.3M
▲ +2.7% YoY
Offices
10
SHB BCORP INC
ROA (annualized)
1.70%
peers 1.24%
ROE (annualized)
18.06%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Southern Heritage Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +4.4% | -3.7 pts |
| Deposit growth (YoY) | -0.5% | +4.0% | -4.4 pts |
| Loan growth (YoY) | +2.6% | +5.6% | -2.9 pts |
| ROA | 1.70% | 1.24% | +0.5 pts |
| ROE | 18.1% | 11.9% | +6.2 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
Profile
- Established
- 1972
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- SHB BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 701 Fourth St, Jonesville, LA, 71343
- County
- Catahoula
- Offices
- 10
- FDIC cert #
- 20698
- RSSD ID
- 935559
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $397.9M | $355.1M | $286.3M | $37.9M | $3.4M | 1.70% | 4.65% | 0.78% |
| Q1 2026 | $402.6M | $360.5M | $279.7M | $38.1M | $1.8M | 1.77% | 4.52% | 0.86% |
| Q4 2025 | $403.7M | $362.6M | $276.5M | $37.4M | $6.6M | 1.68% | 4.42% | 0.91% |
| Q3 2025 | $400.6M | $359.6M | $276.2M | $36.7M | $4.5M | 1.52% | 4.36% | 0.89% |
| Q2 2025 | $395.1M | $356.9M | $278.9M | $34.6M | $2.7M | 1.36% | 4.21% | 1.11% |
| Q1 2025 | $390.6M | $348.4M | $275.8M | $33.8M | $1.2M | 1.22% | 4.11% | 1.00% |
| Q4 2024 | $385.3M | $345.1M | $273.5M | $32.2M | $4.8M | 1.27% | 4.00% | 1.04% |
| Q3 2024 | $375.1M | $332.4M | $275.7M | $33.8M | $3.4M | 1.20% | 3.99% | 0.75% |
Loan mix (Q2 2026): real estate $251.4M · commercial $26.0M · consumer $11.2M · securities $87.8M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Southern Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.70% | 1.24% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 18.1% | 11.9% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.65% | 3.96% | 83th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.3% | 62.9% | 57th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Southern Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Southern Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Southern Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Southern Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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