Southern Hills Community Bank: how it compares with its peers
Against 69 OH banks with half to twice its assets, Southern Hills Community Bank's strongest measure in Q2 2026 is net interest margin (4.25% vs. a 3.74% peer median). Its weakest relative measure is efficiency ratio (82.52% vs. 72.92%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.62% | 0.89% | Bottom third Ahead of 33% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.25% | 3.74% | Top third Ahead of 68% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 82.52% | 72.92% | Bottom third Ahead of 29% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.2M | $5.9M | Middle third Ahead of 35% of peers |
| Loans to deposits Net loans and leases over total deposits. | 57.18% | 83.15% | Context |
What it means for lending operations
Its efficiency ratio of 82.52% is above the 72.92% 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
- The First National Bank of McConnelsville Mcconnelsville, OH · $200M
- The Hicksville Bank Hicksville, OH · $221M
- First Federal Savings and Loan Association of Van Wert Van Wert, OH · $197M
- The First National Bank of Waverly Waverly, OH · $196M
- The Cincinnatus Savings & Loan Co. Cincinnati, OH · $193M
- Independence Bank Independence, OH · $191M
Questions about Southern Hills Community Bank
How big is Southern Hills Community Bank?
Southern Hills Community Bank, established in 1884, is headquartered in Leesburg, OH. It reported $210M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Southern Hills Community Bank's return on assets?
0.62% annualized in Q2 2026, against a 0.89% median for 69 OH banks with half to twice its assets, ahead of 33% of them.
What is Southern Hills Community Bank's efficiency ratio?
82.52% in Q2 2026: it spent about 83 cents in noninterest expense for each dollar of revenue. The peer median is 72.92%, and lower is better.
Is Southern Hills Community Bank growing its loans?
Net loans shrank 8.0% over the year to Q2 2026, while deposits grew 4.2%.
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 OH 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 Ohio bank ranked.