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This institution is no longer active

Operations ceased on September 30, 2016. CRA examination history below reflects the period it was active.

SOUTHERN HERITAGE BANK

CLEVELAND, TN · Supervised by FDIC

Est. 1999FDIC #35,093RSSD: FDIC-35093
Satisfactory

Current rating · Exam: January 2016

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Institution Profile

FDIC BankFind

Address

3020 Keith Street, CLEVELAND, TN

County

Bradley County

Established

April 12, 1999

Total Assets

$275M(latest call report)

Financial Snapshot

As of Q2 2016Call Report / FDIC

Total Assets

$275M

Total Deposits

$234M

Net Loans

$136M

Net Income

$1M

ROA

0.83%

ROE

5.60%

Risk-Based Capital

18.91%

Total Assets — Last 8 Quarters

Total AssetsROA

Current Examination

CRA / FFIEC

Overall Rating

Satisfactory

Exam Date

January 1, 2016

Exam Type

Small Bank

Regulator

FDIC

Rating History

CRA / FFIEC

3 previous ratings locked — dating back to 2001

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Rating Over Time

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OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance
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