Southern Heritage Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Fed funds purchased and repos climbed 54.1% in Q2 2026, from $1.2M to $1.8M. It was the largest change from Q1 2026 among the key lines here. Southern Heritage Bank ranks 51st of 103 Louisiana banks on loan-to-deposit ratio, in the upper half at 81.30% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Southern Heritage Bank reported 81.30% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $96.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $1.8M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.30% |
| Net loans and leases to deposits | 80.61% |
| Loans and leases to core deposits | 88.38% |
| Core deposits to total deposits | 91.99% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 77.29% | 95.29% | $1.2M | $0 |
| Q4 2023 | 75.63% | 95.30% | $882K | $0 |
| Q1 2024 | 76.08% | 95.05% | $10.7M | $0 |
| Q2 2024 | 77.64% | 94.62% | $985K | $10.0M |
| Q3 2024 | 83.57% | 94.31% | $1.3M | $5.0M |
| Q4 2024 | 79.84% | 93.93% | $1.2M | $5.0M |
| Q1 2025 | 79.72% | 94.03% | $1.2M | $5.0M |
| Q2 2025 | 78.74% | 92.15% | $1.2M | $0 |
| Q3 2025 | 77.60% | 92.11% | $1.5M | $0 |
| Q4 2025 | 77.03% | 91.98% | $1.1M | $0 |
| Q1 2026 | 78.40% | 92.20% | $1.2M | $0 |
| Q2 2026 | 81.30% | 91.99% | $1.8M | $0 |
Southern Heritage Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Southern Heritage Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Southern Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20698) · FFIEC NIC profile (RSSD 935559)