Side-by-side · Q2 2026 data
First National Bank in DeRidder vs Southern Heritage Bank
Metric by metric
| Measure | First National Bank in DeRidder | Southern Heritage Bank |
|---|---|---|
| TellerScore | 70 | 73 (stronger) |
| Capital cushion | 48 | 55 (stronger) |
| Loan quality | 81 (stronger) | 76 |
| Earnings | 78 | 88 (stronger) |
| Funding & liquidity | 74 | 75 (stronger) |
| Problem-loan coverage | 87 (stronger) | 85 |
| Peer percentile | 43rd | 53rd |
| Total assets | $419.0M | $397.9M |
| Deposits / shares | $379.2M | $355.1M |
| Capital ratio | 9.84% | 10.54% (stronger) |
| Problem loans | 0.57% (stronger) | 0.72% |
| Net charge-offs | 0.00% (stronger) | 0.29% |
| Return on assets | 1.44% | 1.70% (stronger) |
| Loans ÷ deposits | 65.4% (stronger) | 80.6% |
| Uninsured deposits | 34.1% | 18.9% (stronger) |
| Offices | 5 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.8% |
Southern Heritage Bank has the higher TellerScore (73 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First National Bank in DeRidder leads on 3 and Southern Heritage Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.