Southern Heritage Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 11.19 percentage points higher than in Q1 2026, at 157.62%. Within Louisiana, Southern Heritage Bank is 51st of 103 on loan-to-deposit ratio, 81.30% as of Q2 2026, above the middle of the field. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $288.7M |
| Net loans and leases | $286.3M |
| Loans held for sale | $380K |
| Loans to total assets | 72.57% |
| Loan-to-deposit ratio | 81.30% |
| Net loans to equity capital | 7.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.86% |
| Multifamily (5+ residential) | 2.59% |
| Commercial and industrial | 8.99% |
| Consumer | 3.87% |
| Credit cards | 0.24% |
| Farm | 3.96% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 157.62% |
| Construction concentration (Tier 1 capital + allowance) | 46.20% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.28% |
| Interest income on loans | $5.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $253.8M | $328.3M | 27.54% | 10.50% | 5.17% |
| Q4 2023 | $253.5M | $335.2M | 27.92% | 10.75% | 5.09% |
| Q1 2024 | $257.2M | $338.0M | 27.40% | 10.92% | 4.80% |
| Q2 2024 | $265.8M | $342.4M | 27.97% | 10.33% | 4.67% |
| Q3 2024 | $277.8M | $332.4M | 28.91% | 10.34% | 4.42% |
| Q4 2024 | $275.5M | $345.1M | 26.72% | 10.51% | 4.31% |
| Q1 2025 | $277.7M | $348.4M | 27.43% | 9.84% | 4.15% |
| Q2 2025 | $281.0M | $356.9M | 27.47% | 10.06% | 4.15% |
| Q3 2025 | $279.1M | $359.6M | 26.61% | 9.49% | 4.29% |
| Q4 2025 | $279.3M | $362.6M | 26.22% | 9.79% | 3.94% |
| Q1 2026 | $282.6M | $360.5M | 26.81% | 9.38% | 4.05% |
| Q2 2026 | $288.7M | $355.1M | 26.86% | 8.99% | 3.87% |
Southern Heritage Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Southern Heritage Bank, freeSource: Call Report Schedule RC-C, 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)