Southern Heritage Bank: how it compares with its peers
Against 51 LA banks with half to twice its assets, Southern Heritage Bank's strongest measure in Q2 2026 is return on assets (1.70% vs. a 1.28% peer median). Its weakest relative measure is assets per employee ($3.9M vs. $5.9M).
| Measure | Southern Heritage Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.70% | 1.28% | Top third Ahead of 73% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.65% | 4.37% | Top third Ahead of 71% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.34% | 64.80% | Middle third Ahead of 47% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.9M | $5.9M | Bottom third Ahead of 2% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.61% | 81.43% | Context |
What it means for lending operations
Its efficiency ratio of 65.34% is above the 64.80% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of St. Francisville Saint Francisville, LA · $399M
- City Bank & Trust Co. Natchitoches, LA · $382M
- Bank of Zachary Zachary, LA · $416M
- Bank of Commerce & Trust Co. Crowley, LA · $378M
- First National Bank in DeRidder Deridder, LA · $419M
Questions about Southern Heritage Bank
How big is Southern Heritage Bank?
Southern Heritage Bank, established in 1972, is headquartered in Jonesville, LA. It reported $398M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Southern Heritage Bank's return on assets?
1.70% annualized in Q2 2026, against a 1.28% median for 51 LA banks with half to twice its assets, ahead of 73% of them.
What is Southern Heritage Bank's efficiency ratio?
65.34% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 64.80%, and lower is better.
Is Southern Heritage Bank growing its loans?
Net loans grew 2.7% over the year to Q2 2026, while deposits shrank 0.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are LA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Louisiana bank ranked.