Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank holding company |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 9 Jan 2022 |
| RSSD ID | 4346676 |
| Address | P.O. Box 8, Jonesville, LA 71343 Directions to the main office (Google Maps) |
| Website | Not given on the official list (listed as “Non given”) |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedWe have not yet read this lender's website, so we can't list its loan products, sizes or service area. That doesn't mean it lacks them. The official list gives no website for this lender; contact it at the address above.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Branches and size
FDIC, 30 Jun 2026Subsidiary bank on file with the FDIC: Southern Heritage Bank (FDIC cert 20698, total assets $397.9 million). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $397.9 million (as of 30 Jun 2026) |
|---|---|
| Offices | 10 (as of 30 Oct 2026) |
Offices by state and county (10)
Louisiana (10 offices)
- Catahoula Parish (2): 701 Fourth St, Jonesville 71343 (main office); 107 Short Street, Harrisonburg 71340
- La Salle Parish (3): 2832 E Oak St, Jena 71342; 4658 Main Street, Olla 71465; 9778 S Main St, Tullos 71479
- Rapides Parish (5): 5211 Jackson St, Alexandria 71303; 5617 Coliseum Blvd, Alexandria 71303; 701 4th St, Alexandria 71301; 3596 Highway 28 E, Pineville 71360; 4617 Monroe Hwy, Pineville 71405
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026A bank holding company files no Call Report of its own. These figures are from its subsidiary bank, Southern Heritage Bank (RSSD 935559, FDIC cert 20698), the only active bank the FDIC lists under this holding company. Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $288.7 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 2.8% from $281 million on 30 Jun 2025 |
| Total assets | $397.9 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $130.4 million | 45.2% |
| Home equity lines of credit | $3.6 million | 1.3% |
| Commercial real estate, construction and multifamily | $106 million | 36.7% |
| Commercial and industrial (business) loans | $26 million | 9.0% |
| Farmland and farm production loans | $11.5 million | 4.0% |
| Consumer loans (credit cards, auto, other) | $11.2 million | 3.9% |
| All other loans and leases | $137,000 | <0.1% |
Within consumer loans: auto loans $3 million, credit cards $694,000.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 76 loans $3.4 million | 275 loans $6.1 million |
| $100,001 to $250,000 | 63 loans $8.7 million | 50 loans $4.9 million |
| $250,001 to $1 million | 80 loans $2.9 million | 25 loans $8.6 million |
| All small business loans | 219 loans $14.9 million | 350 loans $19.5 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
The filing says all or substantially all of these loans had original amounts of $100,000 or less, so the form asks only for a count: 139 loans secured by farmland and 5 farm production loans on the 30 Jun 2026 report. Balances are not broken out on that version of the form.
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported by its bank (2025)
FFIEC HMDA data, 2025The HMDA reporter panel lists SHB Bancorp, Inc. as the parent or top holder of this filer, which is also a certified CDFI with its own page:
- Southern Heritage Bank: 297 originated home loans
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $397.9 million | Larger than 57% of the 72 other certified banks and bank holding companies in Louisiana (median $318.5 million). |
| Loans as a share of assets | 73% | Median of the same 72 banks and bank holding companies: 73%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $281 million → $288.7 million (+3%) | Median change of 72 other certified banks and bank holding companies in Louisiana: +4%. Rank by loans held among these 73: 27 → 29. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Louisiana | 72 | larger than 57% |
| Loans held then vs now | certified banks and bank holding companies in Louisiana reporting both dates | 72 | rank 27 → 29 of 73 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026SBA loan data names this holding company's bank, not the holding company. Its subsidiary Southern Heritage Bank is certified separately and shows its SBA 7(a) and 504 approvals for FY2020–FY2026 on its own page.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Jonesville and Louisiana
- Catahoula Holding CompanyBank holding company · Jonesville, LAOfficial list only
- CLB The Community BankBank or thrift · Jonesville, LAAgriculture / farm loans, Home repair / improvement loans, Home mortgages, Personal / consumer loans…Verified
- Southern Heritage BankBank or thrift · Jonesville, LAAuto / vehicle loans, Small-dollar / emergency loans, Home mortgages, Personal / consumer loans…Verified
- 705 Federal Credit UnionCredit union · Lafayette, LAAuto / vehicle loans, Credit-builder loans, Microloans, Home mortgages…Verified
- American Bank & Trust CompanyBank or thrift · Opelousas, LAAgriculture / farm loans, Commercial real estate loans, Home mortgages, Personal / consumer loans…Verified
- Ascension Credit UnionCredit union · Gonzales, LAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
Work at SHB Bancorp, Inc.? Link to this page
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