FDIC Cert #29749 · Leesburg, Ohio · Est. 1884

Southern Hills Community Bank - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$205M
Total assets
B
Health grade · Good
0.50%
Return on assets
13.6%
Tier 1 capital

Data updated July 2026

The verdict

Southern Hills Community Bank earns a PlainBankData health grade of B (69/100), with well-capitalized at 13.61% Tier 1, 0.50% ROA, 83% efficiency ratio.

#2,973
largest of 4,313 FDIC banks by assets
31st
percentile by asset size, nationally
13.61%
Tier 1 ratio - above the 10% well-capitalized line
16th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 29749 · OH B · 69/100

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

  • GRADE-B B (69/100)
  • MID-PACK #3138/4307
  • PHOTO-FINISH Home Bank SB · IN
  • TIER1-WELL 13.6% Tier 1
  • TEXAS-CLEAN 1.4% Texas
  • ROA-THIN 0.50% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Ohio: Home Bank SB, IN (±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 Hills Community Bank

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

Morgan Stanley Bank,… · UT ·…100/100Citizens Savings Bank · LA ·…69/100Home Bank SB · IN · near69/100Phoenixville Federal… · PA ·…69/100Southern Hills Commu… · OH ·…69/100Southwest Heritage B… · AZ ·…69/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Southern Hills Community Bank · July 2026

Call Report read for Southern Hills Community Bank in a high-failure state

Southern Hills Community Bank (FDIC Cert #29749) carries a PlainBankData health grade of B at 69/100, 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 #3,138 of 4,307. Tier 1 capital prints at 13.61%, clearing the 10% well-capitalized line. The Texas Ratio is 1.39%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.50%. Balance-sheet scale is $205M, 2,973rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Home Bank SB (IN), 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 Hills Community Bank

9 FAILURE resolutions in Ohio since 2000, heavy vs the state corpus

Southern Hills Community Bank sits in one of the heavier post-2000 FAILURE states (9 resolutions; latest year 2019). The list below is state history from the Failed Bank List, not a claim about Southern Hills Community Bank's current Call Report.

  • RESOLUTE BANK MAUMEE, OH 2019 → BUCKEYE STATE BANK
  • COLUMBIA SAVINGS BANK CINCINNATI, OH 2014 → UNITED FIDELITY BANK, FSB
  • BRAMBLE SAVINGS BANK MILFORD, OH 2010 → FOUNDATION BANK

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

How Southern Hills Community Bank's 69/100 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 avg77/10069/100
Southern Hills Community Bank's composite health score
Tier 1 Capital Ratio (13.61%) 35/40
Return on Assets (ROA) (0.50%) 14/25
Texas Ratio (1.39%) 20/20
Efficiency Ratio (82.94%) 0/15

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

Balance sheet at a glance

Total Assets

$205M

Total balance-sheet footings

Total Deposits

$175M

Customer-funded liabilities

Net Loans

$108M

Outstanding loan book

Net Income

$998K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.21% 13.61% 15.01%
Basel III capital ratios - Southern Hills Community Bank

Where Southern Hills Community Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Southern Hills Community Bank's score of 69/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

69 27th percentile higher than 27% 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%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Southern Hills Community 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 Hills Community 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 Hills Community Bank's $205M falls in the highlighted band.

Capital & credit buffers at Southern Hills Community Bank

Tier 1 capital ratio
Well-capitalized 10%

13.61% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.61%
Texas Ratio
1.39%
Equity Capital
$28M

What these ratios mean →

Profitability metrics: Southern Hills Community Bank

Return on Assets (ROA)
16th percentile nationally
0.50%
Return on Equity (ROE)
3.70%
Efficiency Ratio
82.94%

What these mean →

Income & expense at Southern Hills Community Bank

$10M
Interest Income
$1M
Non-Interest Income
$7M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Southern Hills Community Bank reports a Texas Ratio of 1.39% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.39% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Southern Hills Community Bank on FDIC BankFind →

Top banks in Ohio by total assets

Largest banks headquartered in Ohio
  1. 1
    JPMorgan Chase Bank $3.75T

    Columbus, OH · Grade A

  2. 2
    U.S. Bank $676.1B

    Cincinnati, OH · Grade A

  3. 3
    The Huntington National Bank $224.0B

    Columbus, OH · Grade A

  4. 4
    Fifth Third Bank $213.7B

    Cincinnati, OH · Grade A

  5. 5
    KeyBank $181.7B

    Cleveland, OH · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($205M here), outside Ohio so the neighborhood is not state containment.

NorthStar Bank $205M · IA Farmers and Merchants Bank $205M · NE Greeneville Federal Bank, FSB $205M · TN Carroll County Trust Company of Carro… $205M · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Southern Hills Community Bank (FDIC Cert #29749) - 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 Hills Community Bank Call Report profile · FDIC Failed Bank List · Ohio FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Ohio

All Ohio banks →
BankAssetsGradeROA
JPMorgan Chase Bank, National AssociationColumbus $3.75T A 1.34%
U.S. Bank National AssociationCincinnati $676.1B A 1.18%
The Huntington National BankColumbus $224.0B A 1.20%
Fifth Third Bank, National AssociationCincinnati $213.7B A 1.34%
KeyBank National AssociationCleveland $181.7B A 1.17%
First Financial BankCincinnati $21.0B A 1.53%
Third Federal Savings and Loan Association of ClevelandCleveland $17.5B A 0.51%
The Park National BankNewark $9.7B A 1.90%