# SOUTHERN HERITAGE BANK
CLEVELAND, TN · FDIC certificate 35093 · asset band <$300M · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $274.9M | |
| Deposits | $233.7M | |
| Loans and leases | $136.5M | |
| Total equity | $40.4M | |
| Loans / deposits | 58.20% (p25 of band) | 74.58% |
| Liquid assets / assets | 43.12% (p71 of band) | |
| Uninsured deposits / deposits | 21.83% (p78 of band) | 14.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.49% (p61 of band) | 10.79% |
| Unrealized securities loss / equity | 5.57% (p80 of band) | 2.02% |
| AOCI / equity | 2.27% (p73 of band) | |
| ROA (annualized) | 0.83% (p48 of band) | 0.86% |
| Net interest margin | 3.57% (p45 of band) | 3.65% |
| Efficiency ratio | 71.73% (p49 of band) | |
| Noncurrent loans | 0.13% (p24 of band) | 0.67% |
| Net charge-offs (annualized) | 0.01% (p50 of band) | |
| Reserve coverage of noncurrent | 319.30% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 66.36% (p87 of band) | |
| Auto loans | $511,000 (0.37% of loans; DQ 0.20%, NCO 0.00%) | |
| Loans to nondepository financials | $123,000 (0% of equity) (p96 of band) | |
| Deposits YoY | 1.0% | |
| Employees | 56 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | charge-offs p90 |  |
| 2012-09 | 0 |  | charge-offs p90 |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | capital falling, reserve under noncurrent |  |
| 2013-06 | 0 |  | capital falling, reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 3 | NIM <2.5% |  |
| 2015-03 | 1 |  | capital falling, NIM <2.5% |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 0 |  | reserve under noncurrent |
| 2016-06 | 0 |  |  |

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

- 2025-10-28 [Ohio community bank makes deal to top $10B, enter Tennessee - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxOUDQwdW1DNXBmYTVqSlFkQWpXZ2RYc3BrX3RTWkZ6a2gyVzd1bHpQelFreEdoSmctTWhxbFVhMk54djNxcFJpZ3pPTlZVMEh6eDU4Y0RDdHpkRnY3RjdTZGZ4d2laRV82OF9FcFdKTzIyUUFJd0RURkFycGtSZUV6cmVlVDZoU2Fyb0lQS2c4RnYtR2l0YldIcQ?oc=5) · American Banker
- 2017-10-13 [Southern Heritage Bank expands into Chattanooga area - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMilgFBVV95cUxNWmRzanpidXhSaUNiTFVWZzRFcmNxZ2JKNTNGTFV5d0VRcS1tdnV5R25IX3UtN3VFVVRkZXRzY3RfVTJISW9nbk4wa3VPQ1hlREljb1JhbVVPdTFmd05ZdGNiVnpDelRSa1BTUmpPUTFaT1ZUclpKZjBZczBidmFTS1Jmd1d2S0ZFSzlNaXc5Y1RUbGZOV3c?oc=5) · Chattanooga Times Free Press
- 2025-07-24 [Southern Heritage Bank Promotes Andy Baker - Chattanoogan.com Breaking News](https://news.google.com/rss/articles/CBMikAFBVV95cUxOWjNIQl8zZHFHWk8teE1IUEpEVURkTmxSYTFEWGNXNlREUElOWGtpQU9VdDZqRTRLTEZDYUJNaWJNS2lxX0d3VFFTTnBTWTlvUHM5RVl5RFpJRnBocDJhTjBIUDBlRXl2NGtmdUdBbzU4ZjdkRUNrQzVvMDg2WExaczlPQjhQdEZ2YlVKdUhhYVo?oc=5) · Chattanoogan.com Breaking News
- 2021-11-24 [Southern Heritage Bank Robbed in Cleveland - WDEF](https://news.google.com/rss/articles/CBMickFVX3lxTE5haDg0RG8tTjNNR19iLWtibXBkR1NLdDVWMGhWUkVXeFFtNW4zR0toM3pCVE04SVQzbHhyQVkzR0p4UE1JYTluSmo4U1ZCVHlRS1Y0YkpVYVpLV2hHdmpMS1prNks2ZHpyeVNzNmJaOUc2dw?oc=5) · WDEF
- 2025-03-12 [Southern Heritage Bank Names Dean Regional President - Chattanoogan.com Breaking News](https://news.google.com/rss/articles/CBMijAFBVV95cUxOYUU3akgwVjUxZDFMWGg3WTdDRkdnaVNfM050SFNFQmlyLW1VZ1J5RDMwMFotMllsX0RzSF9KSVUtRHkyV21KRlhuU2d4Z19kcUpGNTNzaW5fcV9oYVZlcVlXU05wS2J6VE1YZXFmSkh3TlJ4TzB4VjdIZjlYbXBieUxVR0ZXRVZSYVVSaw?oc=5) · Chattanoogan.com Breaking News
- 2015-03-28 [Southern Heritage Bank chairman retires - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMijgFBVV95cUxPUTBhM1VUS0VYTnVkaXg4Y3ZKeDFySW9OeWtSRWZJd0NuTHpJdG5PRkRQS2lKaXJrZi1renJrX05RRmVja21tLVllNzNqVGw1M0dPNjBJemNhMGlvMVJSa3EyVUlQbkpOWWpfVDNXb2tDYjFySlpFQktBeTc0NE5hTEdwOWpDa19CeEF0d2l3?oc=5) · Chattanooga Times Free Press
- 2021-12-01 [Cleveland Police charge 2 suspects in last week’s bank robbery - WDEF](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOOGZLaVRZTVdHRXNDREZsZEE1X003M2lSeHBTNTNBenpDbHVRS2VwaFhHNmxHQTM3cmlvenZjZ1RwWjBVVVpfcXIzVU8xNWlUb3hjeVNFWDNWNnlfWU55d09BazZJTTZuZHlQTVh3NzhQN0ZnV2pZZnh6Vi1MOTdvbHEtWUlmMGNROTVZ?oc=5) · WDEF
- 2014-03-25 [First Citizens to buy Southern Heritage Bank in Cleveland in $32 million deal - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMinAFBVV95cUxNSFFCZUhSRFJ0ckl3MGpta2thcnIwaVJHOTU1LVVnUTl4NU15dkpGUE5FU2pMYkg3bWQ0MV9OSTFHWUZGY0gzcE9WT3AyYUdhSEdDUlJLdC1GZWlZQ1FHUTUyUUhaXzZGTWZVaW41RHRXME5xRzNaRmtFbkN3SGJtTHBmS0pmTUczem85TEJPbk9IREN0OTVPaDZjTnI?oc=5) · Chattanooga Times Free Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35093 (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/21.json (key "35093", 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