This institution is no longer active

Operations ceased on August 2, 2004. CRA examination history below reflects the period it was active.

SOUTHERN HERITAGE BANK

FLOWERY BRANCH, GA · Supervised by FDIC

Est. 1999FDIC #34,593RSSD: FDIC-34593

Part ofSOUTHERN HERITAGE BCORP INC→ View all charters

Satisfactory

Current rating · Exam: February 2000

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.11%

Is this bank safe?

SOUTHERN HERITAGE BANK holds a Satisfactory CRA rating (2000), is financially strong (ROA +1.11%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

3461 Atlanta Highway, FLOWERY BRANCH, GA

County

Hall County

Established

January 4, 1999

Total Assets

$118M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 27, 2000

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 26 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q2 2004Call Report / FDIC

Total Assets

$118M

Total Deposits

$102M

Net Loans

$99M

Net Income

$652K

ROA

1.11%

Above avg for Small banks. Peer avg: 0.44%

ROE

10.12%

Risk-Based Capital

14.25%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.11%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.25%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate8.70%Peer avg: 6.90%▲ More than avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	322	84.16%	8.70%
2020	321	84.11%	7.17%
2019	383	78.85%	7.83%
2018	399	82.21%	7.77%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

This is the only examination on record for this bank.

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