BlastPoint's Banking Scorecard
Southern Heritage Bank
Designations: ✓ CDFI-certified
Jonesville, LA
10 branches across LA
Southern Heritage Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 33.6% in tier
- + Net Interest Margin 0.59% above tier average
- + Efficiency Ratio 2.57% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 38.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$402.6M
+3.1% YoY
-0.3% QoQ
|
+$16.5M |
$386.1M
+0.5% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
62% |
| Total Loans ? |
$279.7M
+1.4% YoY
+1.2% QoQ
|
+$24.0M |
$255.7M
+1.1% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
64% |
| Total Deposits ? |
$360.5M
+3.5% YoY
-0.6% QoQ
|
+$32.5M |
$328.0M
+0.1% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
64% |
| Return on Assets ? |
1.77%
+45.2% YoY
+5.8% QoQ
|
+0.50% |
1.27%
+12.9% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
80% |
| Net Interest Margin ? |
4.52%
+10.1% YoY
+2.4% QoQ
|
+0.59% |
3.93%
+6.0% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
83% |
| Efficiency Ratio ? |
62.71%
-12.3% YoY
-1.2% QoQ
|
-2.57% |
65.29%
-4.5% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
52% |
| Delinquency Rate ? |
0.86%
-3.9% YoY
-7.2% QoQ
|
-0.02% |
0.89%
+18.8% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
77.60%
-2.0% YoY
+1.8% QoQ
|
+0.96% |
76.64%
+0.8% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
29.49%
+2.1% YoY
+7.7% QoQ
|
+7.47% |
22.02%
-1.0% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.86%
-13.8% YoY
-5.6% QoQ
|
+0.22% |
0.64%
+19.7% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
24% |
| Tier 1 Capital Ratio ? |
10.57%
+3.1% YoY
+1.2% QoQ
|
-5.26% |
15.83%
+1.5% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
17% |
| Non-Interest Income / Assets ? |
0.16%
+5.6% YoY
-75.1% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
77% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.