Southern Heritage Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Southern Heritage Bank of Jonesville, LA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.60% | 1.34% | +0.26% | 69th above |
| ROAE | 17.10% | 13.31% | +3.79% | 76th top |
| Net Interest Margin | 4.61% | 3.93% | +0.68% | 83rd top |
| Efficiency Ratio | 67.15% | 61.14% | +6.01% | 35th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.60% | 1.68% | -0.08% | 51st above |
| Yield on Earning Assets | 6.04% | 5.67% | +0.37% | 70th above |
| Cost of Funds | 1.57% | 1.88% | -0.31% | 65th above |
| Net Interest Spread | 3.81% | 3.32% | +0.49% | 75th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.66% | 0.94% | -0.28% | 39th below |
| NPA / Total Assets | 0.74% | 0.70% | +0.04% | 28th below |
| NCO / Avg Loans | 0.60% | 0.16% | +0.44% | 5th bottom |
| ACL / Total Loans | 0.85% | 1.28% | -0.43% | 13th bottom |
| ACL / NPLs (Coverage) | 128.74% | 1539.27% | -1410.53% | 36th below |
| Texas Ratio | 7.73% | 7.33% | +0.40% | 29th below |
| Provision / NCO | 15.83% | 1396.30% | -1380.47% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.54% | 12.14% | -1.60% | 42nd below |
| Equity / Assets | 9.53% | 11.38% | -1.85% | 36th below |
| TCE / Tangible Assets | 9.53% | 11.09% | -1.56% | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.30% | 80.64% | +0.66% | 49th below |
| Core Deposit Ratio | 91.99% | 86.86% | +5.13% | 67th above |
| Wholesale Funding Ratio | 0.45% | 5.04% | -4.59% | 90th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.71% | 6.85% | -6.14% | 24th bottom |
| Loan Growth (Y/Y) | 2.75% | 7.90% | -5.15% | 35th below |
| Deposit Growth (Y/Y) | -0.48% | 6.29% | -6.77% | 21st bottom |
See Southern Heritage Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Southern Heritage Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Southern Heritage Bank profile, how to read a UBPR, or how this data updates.