BlastPoint's Banking Scorecard
Southern Heritage Bank
Designations: ✓ CDFI-certified
Jonesville, LA
10 branches across LA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 73 in LA.
- Deposits -0.5% year over year ($355.1M on the books).
- Delinquency rate 0.73%.
- Return on assets 1.70%.
- Efficiency ratio 65.34% vs a 64.48% peer average.
- Loan-to-deposit ratio 80.61% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Southern Heritage Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.38% above tier average
- + Net Interest Margin 0.66% above tier average
- + Delinquency Rate 0.19% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 22.8% in tier
- - Efficiency Ratio 0.86% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$397.9M
+0.7% YoY
-1.2% QoQ
|
+$11.3M |
$386.6M
+1.2% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
61% |
| Total Loans ? |
$286.3M
+2.7% YoY
+2.3% QoQ
|
+$27.9M |
$258.3M
+1.7% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
65% |
| Total Deposits ? |
$355.1M
-0.5% YoY
-1.5% QoQ
|
+$28.4M |
$326.7M
+0.7% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
64% |
| Return on Assets ? |
1.70%
+24.9% YoY
-4.1% QoQ
|
+0.38% |
1.32%
+10.8% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
76% |
| Net Interest Margin ? |
4.65%
+10.4% YoY
+2.8% QoQ
|
+0.66% |
3.99%
+5.0% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
84% |
| Efficiency Ratio ? |
65.34%
-3.4% YoY
+4.2% QoQ
|
+0.86% |
64.48%
-3.2% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
41% |
| Delinquency Rate ? |
0.73%
-36.1% YoY
-15.6% QoQ
|
-0.19% |
0.92%
+15.7% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
80.61%
+3.2% YoY
+3.9% QoQ
|
+2.66% |
77.95%
+1.0% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
29.39%
+0.6% YoY
-0.3% QoQ
|
+7.36% |
22.03%
-0.6% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.78%
-29.6% YoY
-8.9% QoQ
|
+0.12% |
0.67%
+16.4% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
10.54%
+4.1% YoY
-0.3% QoQ
|
-5.37% |
15.91%
+1.4% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
17% |
| Non-Interest Income / Assets ? |
0.30%
-0.9% YoY
+85.9% QoQ
|
-0.26% |
0.57%
+7.6% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
72% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
29.4%
+0.2pp YoY -0.1pp QoQ |
+7.2pp | 22.1% | 24.6% | 22.2% | 80% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.1%
-1.1pp YoY -0.4pp QoQ |
-2.5pp | 11.6% | 12.6% | 12.5% | 47% |
| CRE |
37.0%
+0.1pp YoY +0.9pp QoQ |
-2.5pp | 39.5% | 44.9% | 41.4% | 47% |
| 1-4 Family |
46.8%
+1.4pp YoY -0.6pp QoQ |
+14.2pp | 32.6% | 34.2% | 31.3% | 79% |
| Consumer |
3.9%
-0.3pp YoY -0.2pp QoQ |
-0.2pp | 4.1% | 4.2% | 5.0% | 69% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.5% | 19.7% | n/a |
| Leverage Ratio |
10.5%
+0.4pp YoY 0.0pp QoQ |
-1.6pp | 12.2% | 13.4% | 12.6% | 42% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
101
0 YoY +2 (+2.0%) QoQ |
+42 | 58 | 114 | 482 | 87% |
| Assets per Employee ($) |
$3.9M
+0.7% YoY -3.1% QoQ |
-$3.6M | $7.5M | $6.8M | $8.8M | 4% |
| Branch Count |
10
0 YoY 0 QoQ |
+5 | 4 | 9 | 18 | 90% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.2pp YoY +0.1pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 43% |
| Nonaccrual |
0.7%
-0.2pp YoY -0.2pp QoQ |
-0.3pp | 0.9% | 1.4% | 1.0% | 60% |
| Allowance Coverage |
1.17x
+76.8% YoY -1.4% QoQ |
-22.98x | 24.15x | 27.36x | 20.23x | 31% |
| Net Charge-off Rate (YTD) |
0.3%
+0.2pp YoY +0.3pp QoQ |
+0.1pp | 0.1% | 0.1% | 0.2% | 90% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.1%
+2.2pp YoY -0.9pp QoQ |
+5.9pp | 12.2% | 12.5% | 11.6% | 82% |
| Cost of Funds (YTD) |
1.5%
-0.3pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.7% | 1.7% | 36% |
| Net Income ($, YTD) |
$3.4M
+28.4% YoY — QoQ |
+$858K | $2.6M | $5.1M | $40.4M | 74% |
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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 (0)
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.