PackageTrendsPeer
Letter portraitLegal landscape

Southern Heritage Bank

Jonesville, LA · Cert 20698 · SHB Bcorp Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

20

Q2 2024Q2 2026peer median (50)

Asset Quality

23

Q2 2024Q2 2026peer median (50)

Profitability

76

Q2 2024Q2 2026peer median (50)

Liquidity

86

Q2 2024Q2 2026peer median

Efficiency

48

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Southern Heritage Bank

Jonesville, LA · Cert 20698 · SHB Bcorp Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$397.9MAssets
$288.7MLoans
$355.1MDeposits
$37.9MEquity
Loan mix
87%RE $244.2M9%C&I $26.5M4%Consumer $11.4MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $250.7M29%Noninterest $104.4MQ2 2025Q2 2026

NIM

5.20%Q2 ’245.51%Q2 ’255.75%Q2 ’26+7%+12%

Non-interest income vs. expense

3.00%Q2 ’243.02%Q2 ’253.23%Q2 ’26+1%+9%

Market Position · Alexandria, LA · 2026 SOD (annual) · 3.5% share · #8 of 15 inst. · $0.1B of $3.4B

49.2% LaSalle
3.7% Rapides
20.9% Catahoula

Executive Summary

  • Earnings: ROA of 1.34%, up 26 bps year over year; NIM at 4.35%.
  • Asset quality: problem loans at 0.72% of loans (-41 bps YoY), with net charge-offs at 0.29%.
  • Capital: tier 1 leverage ratio of 10.54%, up 41 bps from a year ago.
  • Funding: loans stand at 81.30% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.34%+26 bps YoY

Net Interest Margin (YTD, annualized)

4.35%+48 bps YoY

Efficiency Ratio (YTD, annualized)

65.34%-231 bps YoY

Tier 1 Leverage Ratio

10.54%+41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%1.20%1.32%1.39%1.34%+26 bps
Return on Equity12.48%13.70%14.98%14.90%14.18%+170 bps
Net Interest Margin3.87%4.03%4.09%4.24%4.35%+48 bps
Efficiency Ratio67.65%65.17%63.44%62.71%65.34%-231 bps
Non-Interest Burden2.42%2.42%2.36%2.42%2.64%+21 bps
Growth
Asset Growth (YoY)2.19%6.80%4.78%3.08%0.71%-148 bps
Loan Growth (YoY)5.71%0.45%1.37%1.74%2.75%-296 bps
Deposit Growth (YoY)4.23%8.17%5.07%3.46%-0.48%-472 bps
Asset Quality
Nonperforming Loans / Loans1.13%0.87%0.92%0.85%0.72%-41 bps
Net Charge-Offs / Loans0.12%-0.22%-0.14%-0.01%0.29%+17 bps
Allowance / Loans0.75%1.03%1.00%1.02%0.85%+10 bps
Allowance Coverage of NPLs0.7x1.2x1.1x1.2x1.2x+0.5x
Capital
Tier 1 Leverage Ratio10.13%10.39%10.44%10.57%10.54%+41 bps
Total Risk-Based Capital10.13%10.39%10.44%10.57%10.54%+41 bps
Equity / Assets8.75%9.16%9.26%9.46%9.53%+78 bps
Liquidity & Funding
Loans / Deposits78.74%77.60%77.03%78.40%81.30%+256 bps
Liquid Assets / Assets2.28%2.27%1.75%0.65%0.61%-167 bps
CRE / Total Capitaln/a244%235%234%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Southern Heritage Bank

Jonesville, LA · Cert 20698 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · SHB Bcorp Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$397.9MAssets
$288.7MLoans
$355.1MDeposits
$37.9MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 82% of banks under $1B in assets operating in a single state (rank 131 of 746).
  • Widest gap: net charge-offs / loans trails 90% of banks under $1B in assets operating in a single state (rank 669 of 743).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.35%

Rank 231 of 746

Net Interest Margin

4.35%

Rank 131 of 746

Efficiency Ratio

65.34%

Rank 387 of 746

Equity / Assets

9.53%

Rank 490 of 746

Non-interest income vs. expense

$2.4M$13.1MINCOMEEXPENSE
Unfavorable gap of $10.7M · efficiency ratio beats 48% of banks under $1B in assets operating in a single state
Bank 65.34%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.35%0.72%1.06%1.45%Beats 69%231 / 746
Return on Equity14.13%6.74%10.51%13.63%Beats 78%167 / 746
Net Interest Margin4.35%3.17%3.68%4.16%Beats 82%131 / 746
Efficiency Ratio65.34%55.74%64.58%75.47%Beats 48%387 / 746
Asset Quality
Nonperforming Loans / Loans0.72%0.09%0.42%1.07%Beats 36%476 / 743
Net Charge-Offs / Loans0.16%0.00%0.01%0.05%Beats 10%669 / 743
Capital
Tier 1 Capital Ratio10.54%11.55%13.75%17.60%Beats 14%638 / 746
Total Risk-Based Capital Ratio10.54%11.71%14.33%18.43%Beats 13%648 / 746
Equity / Assets9.53%8.90%10.51%13.06%Beats 34%490 / 746
Liquidity & Funding
Loans / Deposits81.30%61.31%78.27%90.78%56th pctl329 / 746
Loans / Assets72.57%53.60%66.97%76.08%64th pctl266 / 746
Brokered Deposits / Depositsn/aNot reported for this institution