Southern Heritage Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 9.42 percentage points in Q2 2026, from 119.32% to 128.74%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Southern Heritage Bank is 35th of 103 on return on assets, 1.60% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Southern Heritage Bank sits 0.35 points higher, at 1.60% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.54% |
| Equity capital to assets | 9.53% |
| Tangible equity to tangible assets | 9.53% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.66% |
| Non-performing assets ratio | 0.74% |
| Net charge-off ratio | 0.60% |
| Texas ratio | 7.73% |
| Allowance for credit losses to loans | 0.85% |
| Reserve coverage of non-performing loans | 128.74% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.60% |
| Return on equity | 17.10% |
| Net interest margin | 4.61% |
| Efficiency ratio | 67.15% |
| Yield on earning assets | 6.04% |
| Cost of funds | 1.57% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.30% |
| Core deposits to total deposits | 91.99% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.26% |
| Securities to assets | 22.06% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.51% | 1.11% | 3.77% | 0.77% | 0.04% |
| Q4 2023 | 10.74% | 1.61% | 3.78% | 0.40% | -0.02% |
| Q1 2024 | 10.26% | 1.25% | 3.88% | 0.39% | -0.03% |
| Q2 2024 | 10.12% | 1.21% | 3.88% | 0.41% | 0.03% |
| Q3 2024 | 10.36% | 1.08% | 4.05% | 0.62% | 0.02% |
| Q4 2024 | 10.39% | 1.47% | 4.06% | 0.91% | 0.11% |
| Q1 2025 | 10.26% | 1.21% | 4.07% | 0.89% | 0.26% |
| Q2 2025 | 10.13% | 1.47% | 4.23% | 0.84% | -0.03% |
| Q3 2025 | 10.39% | 1.82% | 4.63% | 0.81% | -0.89% |
| Q4 2025 | 10.44% | 2.12% | 4.58% | 0.77% | 0.10% |
| Q1 2026 | 10.57% | 1.75% | 4.40% | 0.85% | -0.01% |
| Q2 2026 | 10.54% | 1.60% | 4.61% | 0.66% | 0.60% |
Southern Heritage Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Southern Heritage Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)