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Southern Heritage Bank

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Southern Heritage Bank Rates & Review August 2026

Q: How many branches does Southern Heritage Bank operate?

Southern Heritage Bank currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Southern Heritage Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Southern Heritage Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

Southern Heritage Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Southern Heritage Bank, and you can see how they compare in the Southern Heritage Bank rate tables below. MonitorBankRates evaluates the financial stability of Southern Heritage Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.07%. Database rates last updated and verified on 08/30/2026.

Southern Heritage Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Southern Heritage Bank? Share your experience about Southern Heritage Bank by leaving a review below, or read customer reviews before you decide to use Southern Heritage Bank.

Verified Healthy Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.07%

Excellent Higher than avg

Southern Heritage Bank

701 Fourth St
Jonesville, LA 71343

https://www.shbnet.com

Current Rate Availability

We're not currently displaying rates for Southern Heritage Bank, but our database is updated constantly — check back soon for the latest offers.

Are you with Southern Heritage Bank? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Southern Heritage Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Southern Heritage Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Southern Heritage Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Southern Heritage Bank

Bank Holding Company SHB BCORP INC

Address 701 Fourth St, Jonesville, LA 71343 · Catahoula

Website https://www.shbnet.com

FDIC Certificate # 20698

Established 05/25/1972

FDIC Insurance Date 05/25/1972

Domestic Offices 10

Total Branches 10

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

7.07%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1014%

Return on Equity (ROE) 13.6500%

Non-Performing Loans (NPL) 0.48%

Total Assets $403,664,000

Total Deposits $362,565,000

Equity Capital $37,384,000

Net Income $6,627,000

Headquarters Jonesville

Total Branches and Offices 10

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

Southern Heritage Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Frequently Asked Questions About Southern Heritage Bank

How many branches does Southern Heritage Bank operate?

Southern Heritage Bank currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Southern Heritage Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Southern Heritage Bank provides members with tools to manage their accounts and build a solid financial history.

Does Southern Heritage Bank offer online and mobile banking?

Most modern institutions like Southern Heritage Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.shbnet.com.