Total Assets
$404M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$363M
Customer-funded liabilities
Net Loans
$276M
Outstanding loan book
Net Income
$7M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
82nd percentile nationally
1.68%
Return on Equity (ROE)
18.98%
Efficiency Ratio
63.44%
What the numbers say about Southern Heritage Bank
Southern Heritage Bank is an FDIC-insured institution (Certificate #20698) headquartered in Jonesville, Louisiana, established in 1972. It holds $404M in total assets - 2,074th of 4,313 FDIC-insured banks, $363M in customer deposits, and $276M in net loans. On safety, its Tier 1 capital ratio of 10.44% is above the 10% well-capitalized threshold, and its Texas Ratio of 6.40% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (77/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Louisiana, Southern Heritage Bank ranks 49th of 106 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Louisiana by total assets
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.
Other banks in Louisiana
All Louisiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Southern Heritage Bank's health grade?▼
Southern Heritage Bank receives a health grade of B (77/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Southern Heritage Bank?▼
Southern Heritage Bank holds $404M in total assets and $363M in deposits, ranking 2,074th of 4,313 FDIC-insured banks by asset size. It is headquartered in Jonesville, Louisiana.
Is my money safe at Southern Heritage Bank?▼
Yes, deposits at Southern Heritage Bank (Certificate #20698) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Southern Heritage Bank's Tier 1 Capital Ratio?▼
Southern Heritage Bank has a Tier 1 Capital Ratio of 10.44%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Southern Heritage Bank?▼
Southern Heritage Bank has a Texas Ratio of 6.40%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Southern Heritage Bank?▼
Southern Heritage Bank has an Efficiency Ratio of 63.44%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Southern Heritage Bank's profile as a depositor or analyst.
- Southern Heritage Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Southern Heritage Bank against other Louisiana banks before moving funds. Louisiana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.