FDIC Cert #20698 · Jonesville, Louisiana · Est. 1972

Southern Heritage Bank - FDIC Bank Health Profile

A community-scale look at Southern Heritage Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$404M
Total assets
B
Health grade · Good
1.68%
Return on assets
10.4%
Tier 1 capital

Data updated July 2026

The verdict

Southern Heritage Bank earns a PlainBankData health grade of B (77/100), with well-capitalized at 10.44% Tier 1, profitable at 1.68% ROA, 63% efficiency ratio.

#2,074
largest of 4,313 FDIC banks by assets
52nd
percentile by asset size, nationally
10.44%
Tier 1 ratio - above the 10% well-capitalized line
82nd
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 20698 · LA B · 77/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (77/100)
  • MID-PACK #2346/4307
  • PHOTO-FINISH American Bank and Tr… · OK
  • TIER1-WELL 10.4% Tier 1
  • TEXAS-CLEAN 6.4% Texas
  • ROA-STRONG 1.68% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Louisiana: American Bank and Trust Company, OK (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Southern Heritage Bank

Lowest and highest poles plus nearest scored peers outside Louisiana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Bank and Tr… · OK ·…77/100First National Bank… · MS · …77/100HomeTown Bank, Natio… · TX ·…77/100Southern Heritage Bank · LA …77/100Victory Bank · TX · near77/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Southern Heritage Bank · July 2026

What Southern Heritage Bank's Call Report plate shows

Southern Heritage Bank (FDIC Cert #20698) carries a PlainBankData health grade of B at 77/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,346 of 4,307. Tier 1 capital prints at 10.44%, clearing the 10% well-capitalized line. The Texas Ratio is 6.40%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.68%. Balance-sheet scale is $404M, 2,074th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is American Bank and Trust Company (OK), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Southern Heritage Bank

4 FAILURE resolutions in Louisiana since 2000 (3 since 2008)

Southern Heritage Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Southern Heritage Bank remains an active FDIC-insured reporter.

  • FIRST NBC BANK NEW ORLEANS, LA 2017 → WHITNEY BANK
  • CENTRAL PROGRESSIVE BANK LACOMBE, LA 2011 → FIRST NBC BANK
  • STATEWIDE BANK COVINGTON, LA 2010 → HOME BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Louisiana banks.

How Southern Heritage Bank's 77/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10077/100
Southern Heritage Bank's composite health score
Tier 1 Capital Ratio (10.44%) 28/40
Return on Assets (ROA) (1.68%) 25/25
Texas Ratio (6.40%) 16/20
Efficiency Ratio (63.44%) 8/15

77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$404M

Total balance-sheet footings

Total Deposits

$363M

Customer-funded liabilities

Net Loans

$276M

Outstanding loan book

Net Income

$7M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.04% 10.44% 11.84%
Basel III capital ratios - Southern Heritage Bank

Where Southern Heritage Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Southern Heritage Bank's score of 77/100 falls in the highlighted band.

Southern Heritage Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

77 46th percentile higher than 46% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Southern Heritage Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Southern Heritage Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Southern Heritage Bank's $404M falls in the highlighted band.

Safety ratios for Southern Heritage Bank

Tier 1 capital ratio
Well-capitalized 10%

10.44% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.44%
Texas Ratio
6.40%
Equity Capital
$37M

What these ratios mean →

Earnings posture at Southern Heritage Bank

Return on Assets (ROA)
82nd percentile nationally
1.68%
Return on Equity (ROE)
18.98%
Efficiency Ratio
63.44%

What these mean →

Income & expense at Southern Heritage Bank

$23M
Interest Income
$3M
Non-Interest Income
$12M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Southern Heritage Bank reports a Texas Ratio of 6.40% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

6.40% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Southern Heritage Bank on FDIC BankFind →

Top banks in Louisiana by total assets

Largest banks headquartered in Louisiana
  1. 1
    Origin Bank $9.6B

    Choudrant, LA · Grade B

  2. 2
    b1BANK $8.2B

    Baton Rouge, LA · Grade A

  3. 3
    First Guaranty Bank $4.1B

    Hammond, LA · Grade C

  4. 4
    Gulf Coast Bank and Trust Company $3.6B

    New Orleans, LA · Grade B

  5. 5
    Home Bank $3.5B

    Lafayette, LA · Grade A

Top 5 banks in Louisiana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($404M here), outside Louisiana so the neighborhood is not state containment.

Lusitania Savings Bank $404M · NJ First Sentinel Bank $404M · VA First Community Bank $403M · MI Farmers State Bank $404M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Southern Heritage Bank (FDIC Cert #20698) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Southern Heritage Bank Call Report profile · FDIC Failed Bank List · Louisiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Louisiana

All Louisiana banks →
BankAssetsGradeROA
Origin BankChoudrant $9.6B B 0.76%
b1BANKBaton Rouge $8.2B A 1.23%
First Guaranty BankHammond $4.1B C -1.33%
Gulf Coast Bank and Trust CompanyNew Orleans $3.6B B 1.15%
Home Bank, National AssociationLafayette $3.5B A 1.41%
Red River BankAlexandria $3.3B A 1.36%
Investar Bank, National AssociationBaton Rouge $2.8B B 0.89%
Bonvenu Bank, National AssociationBossier City $1.6B B 0.54%