Bank Comparison
Kentland Bank vs Southern Heritage Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 14
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Kentland Bank | Southern Heritage Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.08% | 10.57% |
| Equity / Assets | 11.06% | 9.46% |
Profitability
| Metric | Kentland Bank | Southern Heritage Bank |
|---|---|---|
| Return on Assets (ROA) | 1.35% | 1.75% |
| Return on Equity (ROE) | 12.35% | 18.95% |
| Net Interest Margin (NIM) | 4.32% | 4.40% |
| Yield on Earning Assets | 6.17% | 5.85% |
| Cost of Funds | 2.01% | 1.58% |
Asset quality
| Metric | Kentland Bank | Southern Heritage Bank |
|---|---|---|
| Texas Ratio | 13.26% | 8.46% |
| Non-Performing Loan Ratio | 0.63% | 0.85% |
| Non-Performing Asset Ratio | 1.61% | 0.86% |
| Net Charge-Off Ratio | -0.01% | -0.01% |
| ACL / Loans | 1.67% | 1.02% |
Balance sheet
| Metric | Kentland Bank | Southern Heritage Bank |
|---|---|---|
| Total Assets | $402,166K | $402,597K |
| Total Deposits | $310,960K | $360,456K |
| Total Loans | $269,110K | $282,580K |
| Total Equity | $44,478K | $38,087K |
| Net Income (quarter) | $1,376K | $1,788K |
Liquidity & funding
| Metric | Kentland Bank | Southern Heritage Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 86.54% | 78.40% |
| Core Deposit Ratio | 85.17% | 92.20% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Kentland Bank | Southern Heritage Bank |
|---|---|---|
| Headquarters City | KENTLAND | JONESVILLE |
| Headquarters State | IN | LA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 10 |
| Employees (FTE) | 59 | 99 |
| Established | Sept. 19, 1932, midnight | May 25, 1972, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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