SOUTHERN HERITAGE BANK

JONESVILLE, LA | Small | Est. May 25, 1972, midnight | FDIC #20698 | RSSD #935559 | FDIC
Latest Report: 2025-12-31

SOUTHERN HERITAGE BANK is asn small FDIC-insured commercial bank headquartered in JONESVILLE, LA, established in May 25, 1972, midnight. As of 2025-12-31, the bank reported total assets of $404M and total deposits of $363M. Profitability stands at 2.13% ROA and 23.15% ROE, with a net interest margin of 4.72%. The bank's CET1 capital ratio is 9.26%. Asset quality metrics show a non-performing loan ratio of 0.77% and a Texas Ratio of 8.14%. FDIC Certificate #20698.

Assets

$404M

Deposits

$363M

Loans

$279M

Equity

$37M

Profitability

Return on Assets (ROA) 2.13%
Return on Equity (ROE) 23.15%
Net Interest Margin (NIM) 4.72%
Yield on Assets 6.38%
Cost of Funds 1.70%

Asset Quality

NPL Ratio 0.77%
Net Charge-Off Ratio -0.14%
Texas Ratio 8.14%
NPA Ratio 0.81%
ACL / Loans 1.00%

Capital & Liquidity

CET1 Ratio 9.26%
Tier 1 Capital 9.26%
Total Capital Ratio 9.72%
Leverage Ratio 10.44%
Loan-to-Deposit 77.03%

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