Southern Hills Community Bank (FDIC certificate #29749) is based in Leesburg, Ohio. Its Q2 2026 call report shows $209.6M in total assets and $179.5M in deposits and 8 offices.
Southern Hills Community Bank has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 72nd. Funding & liquidity contributes the most (100/100, 57% loans-to-deposits, 15% uninsured); earnings contributes the least (45/100, 0.62%).
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 fell 10 points (81 → 71), mostly because the loan quality component weakened by 35 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 80 |
| Q4 2024 | 80 |
| Q1 2025 | 76 |
| Q2 2025 | 81 |
| Q3 2025 | 80 |
| Q4 2025 | 80 |
| Q1 2026 | 82 |
| Q2 2026 | 71 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.92% |
| Q3 2024 | 14.87% |
| Q4 2024 | 14.29% |
| Q1 2025 | 14.06% |
| Q2 2025 | 13.92% |
| Q3 2025 | 13.73% |
| Q4 2025 | 13.61% |
| Q1 2026 | 13.80% |
| Q2 2026 | 13.77% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.28% |
| Q3 2024 | 0.29% |
| Q4 2024 | 0.29% |
| Q1 2025 | 0.30% |
| Q2 2025 | 0.54% |
| Q3 2025 | 0.30% |
| Q4 2025 | 0.37% |
| Q1 2026 | 0.28% |
| Q2 2026 | 1.58% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.12% |
| Q3 2024 | 0.14% |
| Q4 2024 | 0.34% |
| Q1 2025 | -0.17% |
| Q2 2025 | 0.72% |
| Q3 2025 | 0.48% |
| Q4 2025 | 0.50% |
| Q1 2026 | 0.55% |
| Q2 2026 | 0.62% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $209.6M | 13.77% | 1.58% | 0.62% | 57.2% |
| Q1 2026 | 82 | $205.6M | 13.80% | 0.28% | 0.55% | 59.0% |
| Q4 2025 | 80 | $205.0M | 13.61% | 0.37% | 0.50% | 61.8% |
| Q3 2025 | 80 | $201.5M | 13.73% | 0.30% | 0.48% | 64.7% |
| Q2 2025 | 81 | $201.4M | 13.92% | 0.54% | 0.72% | 64.7% |
| Q1 2025 | 76 | $194.6M | 14.06% | 0.30% | -0.17% | 66.5% |
| Q4 2024 | 80 | $188.5M | 14.29% | 0.29% | 0.34% | 71.5% |
| Q3 2024 | 80 | $186.5M | 14.87% | 0.29% | 0.14% | 73.3% |
| Q2 2024 | 80 | $178.7M | 14.92% | 0.28% | 0.12% | 76.1% |
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 Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of McConnelsvilleBank Mcconnelsville, OH | 64 out of 100, Moderate | $200.2M | 8.6% | 0.86% | vs |
| The Hicksville BankBank Hicksville, OH | 71 out of 100, Strong | $220.6M | 9.4% | 0.00% | vs |
| First Federal Savings and Loan Association of Van WertBank Van Wert, OH | 67 out of 100, Moderate | $197.4M | 13.5% | 1.32% | vs |
| The First National Bank of WaverlyBank Waverly, OH | 41 out of 100, Below average | $196.2M | 9.2% | 3.61% | vs |
| The Cincinnatus Savings & Loan Co.Bank Cincinnati, OH | 84 out of 100, Strong | $193.1M | 15.3% | 0.26% | vs |
| Independence BankBank Independence, OH | 81 out of 100, Strong | $191.2M | 14.5% | 0.26% | vs |
Deposit insurance
Is my money safe at Southern Hills Community Bank?
Yes. Southern Hills Community Bank is an FDIC-insured institution (FDIC certificate #29749). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.9% of deposits ($26.7M) 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 13.77%, 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%).
8 locations
Branches
Southern Hills Community Bank lists 8 offices in 8 cities. Most locations:
- Georgetown, OH (1)
- Greenfield, OH (1)
- Hillsboro, OH (1)
- Leesburg, OH (1)
- Lynchburg, OH (1)
- Peebles, OH (1)
- Ripley, OH (1)
- West Union, OH (1)
HMDA 2025
Mortgage lending
In 2025, Southern Hills Community Bank reported 71 home-loan applications under HMDA (LEI 549300LYVRGGGBBPPV22): 52 originated ($7,590,000 total), 15 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.4%, 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 Hills Community Bank
- Former names
- Leesburg Federal Savings Bank; Leesburg Federal Savings and Loan Association
- Type
- Savings bank
- FDIC certificate #
- 29749
- RSSD ID
- 352370
- Primary regulator
- OCC
- Established
- January 1, 1884
- Headquarters
- 45 E Main St, Leesburg, OH 45135
- Employees
- 40
Quick answers
Southern Hills Community Bank: common questions
Is Southern Hills Community Bank FDIC insured?
Yes. Southern Hills Community Bank is an FDIC-insured institution (FDIC certificate #29749). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Southern Hills Community Bank's TellerScore?
71 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 Hills Community Bank ever failed?
There is no failure record for FDIC certificate #29749 in the FDIC failed bank list.
How many branches does Southern Hills Community Bank have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Leesburg
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Superior Credit Union, IncCredit union Lima, OH | 94 out of 100, Very strong | $2.0B | 15.2% | 0.20% | vs |
| Homeland Credit UnionCredit union Chillicothe, OH | 82 out of 100, Strong | $624.2M | 15.8% | 1.10% | vs |
| Community Savings BankBank Bethel, OH | 80 out of 100, Strong | $119.6M | 14.8% | 0.10% | vs |
| Union Savings BankBank Cincinnati, OH | 74 out of 100, Strong | $4.0B | 10.5% | 0.70% | vs |
| The Wilmington Savings BankBank Wilmington, OH | 72 out of 100, Strong | $267.3M | 14.6% | 0.82% | vs |
| First State BankBank Winchester, OH | 70 out of 100, Strong | $1.2B | 10.5% | 0.86% | vs |