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Southern Heritage Bank
Jonesville, LA · FDIC Certificate #20698 · Chartered 05/2
Total assets
$397.88M
Total deposits
$355.12M
Total equity
$37.92M
Net loans
$286.28M
Branches (offices)
10
Net income (YTD)
$3.41M
Rank: #2,064 of 4,213 U.S. banks by assets · #50 of 103 in Louisiana. Assets changed 0.7% and deposits -0.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.70% |
| Return on equity | 18.06% |
| Net interest margin (YTD) | 4.65% |
| Equity to assets | 9.53% |
| Tier 1 leverage ratio | 10.54% |
| Uninsured deposits (share of deposits) | 18.9% |
| Noncurrent loans (share of loans) | 0.72% |
| Net charge-offs (share of loans) | 0.29% |
| Loans to deposits | 80.6% |
| Real estate loans (share of loans) | 87.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $251.40M | 87.8% | |
| Commercial & industrial | $25.97M | 9.1% | |
| Consumer / individual | $11.16M | 3.9% | |
| Construction & development | $20.91M | 7.3% | |
| Agricultural | $60.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $373.83M | $341.18M | $2.19M | $30.19M |
| Jun 2023 | $361.96M | $329.75M | $1.98M | $29.61M |
| Jun 2024 | $386.63M | $342.36M | $2.37M | $31.10M |
| Jun 2025 | $395.08M | $356.86M | $2.66M | $34.57M |
| Jun 2026 | $397.88M | $355.12M | $3.41M | $37.92M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Louisiana | $355.12M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $355.12M.
Similar-sized banks
First Sentinel Bank ($398.05M) · Volunteer Federal Savings Bank ($397.06M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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