Southern Heritage Bank (FDIC #20698): Bank Stress & Real-Estate Credit Exposure
Southern Heritage Bank (FDIC Cert #20698): bank stress 58/100, moderate, STABLE over 7 days; parent SHB BCORP INC.
Southern Heritage Bank (#20698) lends in 3 counties across 1 state; Southern Heritage Bank (#20698) reaches 43 ZIP codes: Louisiana 3 counties, 43 ZIPs.
Southern Heritage Bank (#20698) largest markets: Rapides County, LA (145 branches, 29 ZIPs) (#20698), Catahoula County, LA (18 branches, 9 ZIPs) (#20698), Lasalle County, LA (24 branches, 8 ZIPs) (#20698).
Southern Heritage Bank (#20698) reports $397.9 million in total assets; Southern Heritage Bank (#20698) equity $37.9 million (9.5% of Southern Heritage Bank (#20698) assets); Southern Heritage Bank (#20698) domestic deposits $355.1 million; Southern Heritage Bank (#20698) net income $3.4 million; Southern Heritage Bank (#20698) return on assets 1.70%; Southern Heritage Bank (#20698) return on equity 18.06%; Southern Heritage Bank (#20698) net interest income $8.8 million; Southern Heritage Bank (#20698) call report June 30, 2026.
Southern Heritage Bank (#20698) noncurrent real-estate loans 0.09% of its book; Southern Heritage Bank (#20698) net charge-offs on real estate 0.60%; Southern Heritage Bank (#20698) residential charge-offs 0.60%.
Southern Heritage Bank (#20698) net interest margin 4.65% against an eight-quarter Southern Heritage Bank (#20698) average of 4.28% (Southern Heritage Bank (#20698) compression -0.37 points); Southern Heritage Bank (#20698) real-estate loans 9.0% of equity; Southern Heritage Bank (#20698) non-residential real estate 59.6% of equity; Southern Heritage Bank (#20698) rate-exposure score 40/100, Southern Heritage Bank (#20698) fixed-rate trap 40/100; Southern Heritage Bank (#20698) risk type credit driven; Southern Heritage Bank (#20698) rate regime rates elevated, Southern Heritage Bank (#20698) snapshot October 19, 2026.
Southern Heritage Bank (#20698) stress score moved from 55.7 on June 22, 2026 to 58.2 on October 19, 2026; Southern Heritage Bank (#20698) ranged 55.7 to 58.2 over 116 snapshots.
Southern Heritage Bank (#20698) alerts: 3 counties; top Southern Heritage Bank (#20698) alert scores: Jonesville County, LA 20 (low); Pineville County, LA 20 (low); Tullos County, LA 20 (low).