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Southern Hills Community Bank

$100M-$1B Specialty: Mortgage OH FDIC cert 29749

Designations: ✓ Mutual

Leesburg, OH

8 branches across OH

2664 banks in the $100M-$1B peer group nationally 98 in OH
View $100M-$1B leaderboard (OH) →

Southern Hills Community Bank has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.34% above tier average
  • + Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.72% below tier average
  • - Efficiency Ratio 19.23% above tier average
Get updates when Southern Hills Community Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $205.6M
+5.7% YoY +0.3% QoQ
-$180.5M $386.1M
+0.5% YoY
$35.8B
+10.6% YoY
$6.2B
+9.1% YoY
28%
Total Loans ? $103.9M
-6.0% YoY -4.0% QoQ
-$151.8M $255.7M
+1.1% YoY
$15.7B
+12.8% YoY
$3.2B
+10.8% YoY
21%
Total Deposits ? $176.2M
+6.0% YoY +0.7% QoQ
-$151.7M $328.0M
+0.1% YoY
$25.9B
+8.5% YoY
$4.8B
+8.2% YoY
28%
Return on Assets ? 0.55%
+426.5% YoY +8.3% QoQ
-0.72% 1.27%
+12.9% YoY
1.12%
+9.9% YoY
1.23%
+13.4% YoY
Bottom 14.0% in tier
Net Interest Margin ? 4.27%
+7.7% YoY +2.0% QoQ
+0.34% 3.93%
+6.0% YoY
3.58%
+7.5% YoY
3.89%
+5.7% YoY
72%
Efficiency Ratio ? 84.52%
-15.4% YoY +1.9% QoQ
+19.23% 65.29%
-4.5% YoY
72.65%
-4.0% YoY
66.95%
-4.1% YoY
Bottom 10.4% in tier
Delinquency Rate ? 0.28%
-6.0% YoY -23.7% QoQ
-0.60% 0.89%
+18.8% YoY
0.65%
+14.5% YoY
0.95%
+18.8% YoY
58%
Loan-to-Deposit Ratio ? 58.95%
-11.3% YoY -4.6% QoQ
-17.68% 76.64%
+0.8% YoY
79.14%
+0.8% YoY
76.70%
+0.9% YoY
83%
Non-Interest-Bearing Deposit Share ? 14.97%
+9.1% YoY +2.1% QoQ
-7.05% 22.02%
-1.0% YoY
18.08%
-0.4% YoY
22.01%
-1.2% YoY
24%
Nonperforming Asset Ratio ? 0.33%
+0.8% YoY -13.9% QoQ
-0.31% 0.64%
+19.7% YoY
0.44%
+14.5% YoY
0.67%
+19.3% YoY
48%
Tier 1 Capital Ratio ? 13.80%
-1.9% YoY +1.4% QoQ
-2.03% 15.83%
+1.5% YoY
19.44%
+3.1% YoY
17.06%
+0.8% YoY
55%
Non-Interest Income / Assets ? 0.07%
-26.5% YoY -88.9% QoQ
-0.21% 0.28%
+9.3% YoY
0.57%
-2.4% YoY
0.32%
+4.1% YoY
32%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

464
Loan-to-Deposit Ratio
liquidity
Value: 58.95%
Peer Median: 76.64%
#464 of 2664 Top 17.4% in $100M-$1B

Top Weaknesses (4 metrics)

2388
Efficiency Ratio
profitability
Value: 84.52%
Peer Median: 65.29%
#2388 of 2664 Bottom 10.4% in $100M-$1B
2291
Return on Assets
profitability
Value: 0.55%
Peer Median: 1.27%
#2291 of 2664 Bottom 14.0% in $100M-$1B
2114
Total Loans
size
Value: $103.89M
Peer Median: $255.72M
#2114 of 2664 Bottom 20.7% in $100M-$1B
2021
Non-Interest-Bearing Deposit Share
funding
Value: 14.97%
Peer Median: 22.02%
#2021 of 2664 Bottom 24.2% in $100M-$1B
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