At a glance
From its website, read 2 Nov 2026Southern Heritage Bank is a bank or thrift based in Jonesville, Louisiana. Its website describes auto loans, small-dollar emergency loans, home mortgages and 2 other loan types. The consumer loan APR it states is 36%.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (318) 992-7000 source |
|---|---|
| Website | www.shbnet.com |
| Office (official list) | P.O. Box 8, Jonesville, LA 71343 |
What their website says about applying
you can start the process by applying with our mortgage loan officer
sourcePlease check with any SHB loan officer for details. They are available to help you with each step, from application to closing the loan.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Personal / consumer loans | Rate: up to 36% APR | Maximum APR 36% | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 9 Jan 2022 |
| RSSD ID | 935559 |
| Address | P.O. Box 8, Jonesville, LA 71343 Directions to the main office (Google Maps) |
| Website | www.shbnet.com |
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
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Personal, auto and business loan pages give no amounts, and the only stated loan limit is for the small dollar program. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Whether it’s a car, boat, RV, home equity loan or home equity line of credit the team at SHB will help with the option that is right for you. | source |
| Small-dollar / emergency loans | up to $2,500 | Loan amount not to exceed $2,500; | source |
| Home mortgages | — | Southern Heritage Bank offers a full line of loan programs: Conventional, FHA, VA and 100% Rural Development. | source |
| Personal / consumer loans | — | Southern Heritage Bank can assist with all your personal loan needs. | source |
| Small-business loans | — | We offer various types of commercial loans to meet your business needs. | source |
Loan sizes
Loan amount not to exceed $2,500;
source
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.shbnet.com/
- https://www.shbnet.com/mortgages/
- https://www.shbnet.com/lagniappe/small-dollar-loan-program/
- https://www.shbnet.com/personal-banking/personal-loans/
- https://www.shbnet.com/business-banking/business-loans/
- https://www.shbnet.com/business-banking/credit-card-processing/
- https://www.shbnet.com/business-development-officer-loan-officer-ii/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and small-dollar emergency loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your small-business loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$884,421 in 3 awards from the U.S. Treasury's CDFI Fund, 2023–2024 (Bank Enterprise Award Program; Small Dollar Loan Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2024 | Small Dollar Loan Program | $166,702 |
| 2023 | Bank Enterprise Award Program | $437,350 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Southern Heritage Bank (FDIC cert 20698). 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 2026Figures from the Call Report filed by Southern Heritage Bank (RSSD 935559, FDIC cert 20698). 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 under HMDA (2025)
FFIEC HMDA data, 2025Southern Heritage Bank reported 297 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $40.9M (median loan about $105,000). 106 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 106 | 36% |
| Refinance (incl. 46 cash-out) | 173 | 58% |
| Home improvement | 9 | 3.0% |
| Other purpose | 9 | 3.0% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 297 | 100% |
Included above: 60 loans on manufactured homes; 22 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 17 counties with at least one; 100% of its 2025 loans were for properties in Louisiana:
- Rapides Parish, LA (162)
- La Salle Parish, LA (67)
- Catahoula Parish, LA (17)
- Grant Parish, LA (17)
- Natchitoches Parish, LA (9)
- Concordia Parish, LA (6)
- Caldwell Parish, LA (4)
- Avoyelles Parish, LA (3)
Filed under LEI 549300684I276INJKK63 as “Southern Heritage Bank”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
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. |
| Home loans originated in 2025 (HMDA) | 297 | More than 76% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
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 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 76% |
“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). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 4 SBA-backed approvals for Southern Heritage Bank in fiscal years 2020–2026 (October 2019 to September 2026):
- 4 7(a) loans as the lender: $2.4M in total (gross amount approved), median $547,500
By fiscal year: FY2020 1 · FY2021 2 · FY2022 1 · FY2023 0 · FY2024 0 · FY2025 0 · FY2026 0.
By program
- 7(a) standard (4, 100%)
How this lender was matched in the SBA files: FDIC cert 20698, found through the RSSD ID on the CDFI Fund list (SBA lists “Southern Heritage Bank”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Southern Heritage Bank may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
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
- SHB Bancorp, Inc.Bank holding company · Jonesville, LAOfficial list only
- 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 Southern Heritage Bank? Link to this page
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