Southern Heritage Bank
Jonesville, LA
IDRSSD: 935559
Total Assets
$400.61M
Latest filing
Total Deposits
$359.60M
Latest filing
Net Interest Margin
4.65%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Southern Heritage Bank
701 Fourth St
Jonesville, LA 71343
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/25/1972FDIC Certificate 14293
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Southern Heritage Bank (Main) | 701 Fourth St | Jonesville, LA |
| TULLOS BRANCH | 9778 S Main St | Tullos, LA |
| HARRISONBURG BRANCH | 107 Short Street | Harrisonburg, LA |
| NORTH RAPIDES OFFICE BRANCH | 4617 Monroe Hwy | Pineville, LA |
| PINEVILLE BRANCH | 3596 Highway 28 E | Pineville, LA |
| JACKSON STREET OFFICE | 5211 Jackson St | Alexandria, LA |
| COLISEUM BLVD OFFICE BRANCH | 5617 Coliseum Blvd | Alexandria, LA |
| JENA OFFICE | 2832 E Oak St | Jena, LA |
Showing 7 of 9
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/25/1972 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 71343 |
| State and County Number | 22025 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 101 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 05/25/1972 |
| Primary Insurance Agency | DIF |
| Website | http://www.shbnet.com |
| Data Updated | 11/14/2025 |
| CERT | 20698 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $400.61M |
| Total Deposits | $359.60M |
| Total Liabilities | $363.93M |
| Total Equity Capital | $36.68M |
| Net Income | $1.83M |
| Net Loans and Leases | $276.19M |
| Assets Per Employee ($Millions) | $4.01M |
| Bank Premises and Fixed Assets | $9.87M |
| Cash and Balances due from Depository Institutions | $15.31M |
| Deposits Held in Domestic Offices | $359.60M |
Key Performance Ratios
| Return on Assets (ROA) | 1.84% |
| Return on Equity (ROE) | 20.5% |
| Net Interest Margin | 4.65% |
| Efficiency Ratio | 60.72% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.13% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.157% |
| Earning Assets to total Assets | 94.84% |
Income and Expense
| Total Interest Income | $5.97M |
| Total Noninterest Income | $594.00k |
| Total Interest Expense | $1.59M |
| Total Noninterest Expense | $3.02M |
| Net Interest Income | $4.38M |
| Pre-tax Net Operating Income | $1.83M |
| Provision for Credit Losses | $130.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $1.13M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $1.48M |
| All Other Liabilities | $2.85M |
| Total Liabilities and Capital | $400.61M |
Securities
| Securities | $94.65M |
| Available-for-sale debt securities | $94.65M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Southern Heritage Bank?
$400.61M as of the latest filing.
How much are Southern Heritage Bank's total deposits?
$359.60M in total deposits.
Where is Southern Heritage Bank located?
Jonesville, LA.
What is the Net Interest Margin?
4.65%.
How many domestic offices does it operate?
10.
When was it established?
05/25/1972.
What is the Return on Assets (ROA)?
1.84%.
How much are total loans and leases?
$276.19M (latest filing).
What is the total interest income (latest filing)?
$5.97M.