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
Unfavorable gap of $10.7M · efficiency ratio beats 48% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.35% | 0.72% | 1.06% | 1.45% | Beats 69% | 231 / 746 | | |
| Return on Equity | 14.13% | 6.74% | 10.51% | 13.63% | Beats 78% | 167 / 746 | | |
| Net Interest Margin | 4.35% | 3.17% | 3.68% | 4.16% | Beats 82% | 131 / 746 | | |
| Efficiency Ratio | 65.34% | 55.74% | 64.58% | 75.47% | Beats 48% | 387 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.72% | 0.09% | 0.42% | 1.07% | Beats 36% | 476 / 743 | | |
| Net Charge-Offs / Loans | 0.16% | 0.00% | 0.01% | 0.05% | Beats 10% | 669 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 10.54% | 11.55% | 13.75% | 17.60% | Beats 14% | 638 / 746 | | |
| Total Risk-Based Capital Ratio | 10.54% | 11.71% | 14.33% | 18.43% | Beats 13% | 648 / 746 | | |
| Equity / Assets | 9.53% | 8.90% | 10.51% | 13.06% | Beats 34% | 490 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.30% | 61.31% | 78.27% | 90.78% | 56th pctl | 329 / 746 | | |
| Loans / Assets | 72.57% | 53.60% | 66.97% | 76.08% | 64th pctl | 266 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |