SOUTHERN HILLS COMMUNITY BANK

LEESBURG, OH | Small | Est. Jan. 1, 1884, midnight | FDIC #29749 | RSSD #352370 | OCC
Latest Report: 2025-12-31

SOUTHERN HILLS COMMUNITY BANK is asn small FDIC-insured commercial bank headquartered in LEESBURG, OH, established in Jan. 1, 1884, midnight. As of 2025-12-31, the bank reported total assets of $205M and total deposits of $175M. Profitability stands at 0.58% ROA and 4.22% ROE, with a net interest margin of 4.30%. The bank's CET1 capital ratio is 13.60%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.36% and a Texas Ratio of 2.70%. FDIC Certificate #29749.

Assets

$205M

Deposits

$175M

Loans

$109M

Equity

$28M

Profitability

Return on Assets (ROA) 0.58%
Return on Equity (ROE) 4.22%
Net Interest Margin (NIM) 4.30%
Yield on Assets 5.86%
Cost of Funds 1.68%

Asset Quality

NPL Ratio 0.36%
Net Charge-Off Ratio 0.07%
Texas Ratio 2.70%
NPA Ratio 0.38%
ACL / Loans 1.03%

Capital & Liquidity

CET1 Ratio 13.60%
Tier 1 Capital 13.60%
Total Capital Ratio 14.28%
Leverage Ratio 13.61%
Loan-to-Deposit 62.44%

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