Call reports 2026
SOUTHERN HERITAGE BANK — 2026
What SOUTHERN HERITAGE BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 402,597,000 | 397,875,000 |
| Total loans | 282,580,000 | 288,725,000 |
| Allowance for loan losses | 2,872,000 | 2,446,000 |
| Securities available for sale | 97,989,000 | 87,769,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 360,456,000 | 355,125,000 |
| Interest-bearing deposits | 254,147,000 | 250,744,000 |
| Noninterest-bearing deposits | 106,309,000 | 104,381,000 |
| Equity capital | 38,087,000 | 37,918,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 5,754,000 | 11,688,000 |
| Interest expense | 1,435,000 | 2,850,000 |
| Net interest income | 4,319,000 | 8,838,000 |
| Noninterest income | 653,000 | 1,200,000 |
| Noninterest expense | 3,118,000 | 6,559,000 |
| Provision for loan losses | 66,000 | 66,000 |
| Pretax income | 1,788,000 | 3,413,000 |
| Income tax | 0 | 0 |
| Net income | 1,788,000 | 3,413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 43,090,000 | 42,817,000 |