Southern Heritage Bank (FDIC certificate #20698) is based in Jonesville, Louisiana. Its Q2 2026 call report shows $397.9M in total assets and $355.1M in deposits and 10 offices.
Southern Heritage Bank has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 53% of its 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 38th. Earnings contributes the most (88/100, 1.70%); capital cushion contributes the least (55/100, 10.54%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 8 points (65 → 73), mostly because the loan quality component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 70 |
| Q4 2024 | 67 |
| Q1 2025 | 67 |
| Q2 2025 | 65 |
| Q3 2025 | 70 |
| Q4 2025 | 71 |
| Q1 2026 | 73 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.12% |
| Q3 2024 | 10.36% |
| Q4 2024 | 10.39% |
| Q1 2025 | 10.26% |
| Q2 2025 | 10.13% |
| Q3 2025 | 10.39% |
| Q4 2025 | 10.44% |
| Q1 2026 | 10.57% |
| Q2 2026 | 10.54% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.42% |
| Q3 2024 | 0.63% |
| Q4 2024 | 0.94% |
| Q1 2025 | 0.89% |
| Q2 2025 | 1.13% |
| Q3 2025 | 0.87% |
| Q4 2025 | 0.92% |
| Q1 2026 | 0.85% |
| Q2 2026 | 0.72% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.25% |
| Q3 2024 | 1.20% |
| Q4 2024 | 1.27% |
| Q1 2025 | 1.22% |
| Q2 2025 | 1.36% |
| Q3 2025 | 1.52% |
| Q4 2025 | 1.68% |
| Q1 2026 | 1.77% |
| Q2 2026 | 1.70% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $397.9M | 10.54% | 0.72% | 1.70% | 80.6% |
| Q1 2026 | 73 | $402.6M | 10.57% | 0.85% | 1.77% | 77.6% |
| Q4 2025 | 71 | $403.7M | 10.44% | 0.92% | 1.68% | 76.3% |
| Q3 2025 | 70 | $400.6M | 10.39% | 0.87% | 1.52% | 76.8% |
| Q2 2025 | 65 | $395.1M | 10.13% | 1.13% | 1.36% | 78.2% |
| Q1 2025 | 67 | $390.6M | 10.26% | 0.89% | 1.22% | 79.2% |
| Q4 2024 | 67 | $385.3M | 10.39% | 0.94% | 1.27% | 79.3% |
| Q3 2024 | 70 | $375.1M | 10.36% | 0.63% | 1.20% | 82.9% |
| Q2 2024 | 71 | $386.6M | 10.12% | 0.42% | 1.25% | 77.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Louisiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of St. FrancisvilleBank Saint Francisville, LA | 66 out of 100, Moderate | $398.7M | 9.9% | 0.81% | vs |
| City Bank & Trust Co.Bank Natchitoches, LA | 82 out of 100, Strong | $382.0M | 11.4% | 0.00% | vs |
| Bank of ZacharyBank Zachary, LA | 76 out of 100, Strong | $416.0M | 11.9% | 0.07% | vs |
| Bank of Commerce & Trust Co.Bank Crowley, LA | 72 out of 100, Strong | $377.9M | 11.1% | 0.19% | vs |
| First National Bank in DeRidderBank Deridder, LA | 70 out of 100, Strong | $419.0M | 9.8% | 0.57% | vs |
| Winnsboro State Bank & Trust CompanyBank Winnsboro, LA | 68 out of 100, Moderate | $425.7M | 10.9% | 0.94% | vs |
Deposit insurance
Is my money safe at Southern Heritage Bank?
Yes. Southern Heritage Bank is an FDIC-insured institution (FDIC certificate #20698). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.9% of deposits ($67.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.54%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
10 locations
Branches
Southern Heritage Bank lists 10 offices in 7 cities. Most locations:
- Alexandria, LA (3)
- Pineville, LA (2)
- Harrisonburg, LA (1)
- Jena, LA (1)
- Jonesville, LA (1)
- Olla, LA (1)
- Tullos, LA (1)
HMDA 2025
Mortgage lending
In 2025, Southern Heritage Bank reported 353 home-loan applications under HMDA (LEI 549300684I276INJKK63): 297 originated ($40,865,000 total), 25 denied, and 31 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Southern Heritage Bank
- Former names
- Jonesville Bank & Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 20698
- RSSD ID
- 935559
- Primary regulator
- FDIC
- Holding company
- Shb Bcorp Inc
- Established
- May 25, 1972
- Headquarters
- 701 Fourth St, Jonesville, LA 71343
- Website
- www.shbnet.com
- Employees
- 101
Quick answers
Southern Heritage Bank: common questions
Is Southern Heritage Bank FDIC insured?
Yes. Southern Heritage Bank is an FDIC-insured institution (FDIC certificate #20698). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Southern Heritage Bank's TellerScore?
73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Southern Heritage Bank ever failed?
There is no failure record for FDIC certificate #20698 in the FDIC failed bank list.
How many branches does Southern Heritage Bank have?
10 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Jonesville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sicily Island State BankBank Sicily Island, LA | 86 out of 100, Very strong | $92.4M | 13.2% | 0.13% | vs |
| United Mississippi BankBank Natchez, MS | 75 out of 100, Strong | $560.7M | 11.0% | 0.19% | vs |
| Delta BankBank Vidalia, LA | 67 out of 100, Moderate | $632.0M | 10.0% | 1.04% | vs |
| Homeland Federal Savings BankBank Columbia, LA | 59 out of 100, Moderate | $657.8M | 9.2% | 0.99% | vs |
| Tensas State BankBank Newellton, LA | 59 out of 100, Moderate | $185.5M | 13.9% | 3.43% | vs |
| CLB The Community BankBank Jonesville, LA | 58 out of 100, Moderate | $350.9M | 11.4% | 2.58% | vs |