Southern Heritage Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $403M | $360M | $280M | $38M | $2M | 1.77% | 18.95% | 4.52% | 0.85% |
| Q4 2025 | $404M | $363M | $276M | $37M | $2M | 1.68% | 18.98% | 4.42% | 0.92% |
| Q3 2025 | $401M | $360M | $276M | $37M | $2M | 1.52% | 17.43% | 4.36% | 0.87% |
| Q2 2025 | $395M | $357M | $279M | $35M | $1M | 1.36% | 15.87% | 4.21% | 1.13% |
| Q1 2025 | $391M | $348M | $276M | $34M | $1M | 1.22% | 14.38% | 4.11% | 0.89% |
| Q4 2024 | $385M | $345M | $273M | $32M | $1M | 1.27% | 15.16% | 4.00% | 0.94% |
| Q3 2024 | $375M | $332M | $276M | $34M | $1M | 1.20% | 14.36% | 3.99% | 0.63% |
| Q2 2024 | $387M | $342M | $264M | $31M | $1M | 1.25% | 15.33% | 3.92% | 0.42% |
| Q1 2024 | $381M | $338M | $255M | $31M | $1M | 1.27% | 15.52% | 3.92% | 0.39% |
| Q4 2023 | $368M | $335M | $252M | $31M | $1M | 1.22% | 15.05% | 3.80% | 0.40% |
| Q3 2023 | $360M | $328M | $252M | $28M | $1M | 1.10% | 13.65% | 3.81% | 0.77% |
| Q2 2023 | $362M | $330M | $249M | $30M | $943K | 1.09% | 13.38% | 3.77% | 0.38% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.