# SOUTHERN HERITAGE BANK
JONESVILLE, LA · FDIC certificate 20698 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $397.9M | |
| Deposits | $355.1M | |
| Loans and leases | $288.7M | |
| Total equity | $37.9M | |
| Loans / deposits | 80.61% (p47 of band) | 82.04% |
| Liquid assets / assets | 24.19% (p48 of band) | |
| Uninsured deposits / deposits | 18.87% (p25 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.45% (p29 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.54% (p46 of band) | 10.81% |
| Unrealized securities loss / equity | -12.92% (p36 of band) | -8.10% |
| AOCI / equity | -0.39% (p47 of band) | |
| ROA (annualized) | 1.70% (p75 of band) | 1.28% |
| Net interest margin | 4.65% (p86 of band) | 3.91% |
| Efficiency ratio | 65.34% (p62 of band) | |
| Noncurrent loans | 0.72% (p64 of band) | 0.43% |
| Net charge-offs (annualized) | 0.21% (p91 of band) | |
| Reserve coverage of noncurrent | 117.37% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 55.15% (p61 of band) | |
| Auto loans | $3.0M (1.03% of loans; DQ 0.44%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.5% | |
| Employees | 101 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | capital falling, reserve under noncurrent |  |
| 2018-06 | 1 |  | reserve under noncurrent |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 1 | reserve under noncurrent |  |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 0 |  | reserve under noncurrent, capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 3 | AOCI drag >20% of equity, charge-offs p90 |  |
| 2022-09 | 2 | securities losses >30% of equity | capital falling, charge-offs p90 |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 2 | securities losses >30% of equity, reserve under noncurrent |  |
| 2023-12 | 0 |  | securities losses >30% of equity, reserve under noncurrent |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 1 | uninsured deposits leaving | capital falling |
| 2024-12 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2025-03 | 2 | charge-offs p90 |  |
| 2025-06 | 2 | capital falling | charge-offs p90 |
| 2025-09 | 0 |  | reserve under noncurrent, capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-08-27 [Southern Heritage Bank, Olla Ribbon Cutting - thejenatimes.net](https://news.google.com/rss/articles/CBMicEFVX3lxTE5VVUVrbk5uX0k4SnVCc1hiWHhoMzhXU19XXzZrQ3I4SExZVEhaSFB4R3FqRnVxVTYwcmlCV0Z3OEFNblB3UzdrNElLcHJjVHozY0V3OVEweWlVbGdGbHZXTGctdENzUFpGTm82Y1A4SGY?oc=5) · thejenatimes.net
- 2016-08-28 [The Best Banks to Work For - American Banker](https://news.google.com/rss/articles/CBMid0FVX3lxTE5DM1FXWWhENGtTVnluX2Q5VUdnV1l6WHRvMnE5cjVQMXkwZEVsT045NElZUVRyWUF3VE1ZX3Y4V3lhWHdGcjZmSmtET0tLNWthOXRjSjd2WlZJQk9jMVVFQWxPS29uSWVRbjY2Tk1LMWlwdWZ6aW5R?oc=5) · American Banker
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - androidpolice.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · androidpolice.com
- 2026-04-15 [Goodwin delivers laughs at Maggie Martin Leadership Summit - Baptist Message](https://news.google.com/rss/articles/CBMilAFBVV95cUxNb1I0M0U4TExsZTBEZWt1R2IzcUlfTkJRWWc0dGJpX3NBTVZMXzM1Y3M2SHFubk1xTTdCNmd0aWlOYktHb1dmNllPbmw1MWpCRlg1SXU0LWl0eVZPV19zOXFrb25RVm5hS1dxNWVsRFRDUzc2WldpR1U3cUVzc3d3YXJqY0N2YjJFd2RSRnB4UkxWVWZE?oc=5) · Baptist Message
- 2025-05-03 [Meet 11 of the latest hirings and promotions in the Chattanooga business community - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMinAFBVV95cUxNbVlucE04MGVDUkY4c3FWQ3ZQYU04S0d1YlZvNEQzbEZ1bEVTOGF2YnRualNYR1hQOTJzSEpnOG05MllWUTh0cjlrN21xd0VhUE1zdWhOX3ctZk52Q1g5YXF1aXM2bnF6N1cyNjZ0dFVxOFluYU9nMVNGOHVmVVBkdnhDdDhIMjN0bm9hSDVlOHNtYlRpSXdoY1laWG0?oc=5) · Chattanooga Times Free Press
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2015-03-07 [Anti-Israeli hackers target Louisiana’ Rapides Parish Police Jury, Bank websites - Hackread](https://news.google.com/rss/articles/CBMigAFBVV95cUxOaHdsbGtjQm94SlBtN0U2ME5vWnV3b251ejhnc2V5RGFFMm1ZdFlhVjloOTI1cGFmM2ZIWG5iNnU2bGZhRUpxYWVYTjBLc2k0aTN5WS1raU80REJwWlF1dGkwcWZJbVZVd1c2V0hjelNQRUdEVTc4NlQ4VlpWQ1FRTQ?oc=5) · Hackread
- 2015-05-31 [Charles Wurster Obituary (2015) - Alexandria, LA - The Town Talk - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOMVZCU0dENE41cGhkTTBiSnlic0NfbFpUdkxKTjRBLUlGTzhoZ0tUS2tYak4zTTBiSDFPX0pPOURFTGFqT0FoNVBHR0hpZ0QzaXZuNVd5ZWM2aWtENUR5Ym1OV2k4UkVnSndSS3BJYWpTd3ZmZkh4QlRDZW1QWW1nTnVFYjU3T3NRMEllcU1IVTBaSklF?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20698 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/26.json (key "20698", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide