• Total Assets
    274.9M 2.0 %
  • Total Deposits
    233.7M 1.0 %
  • Total Net Loans
    136.0M 5.8 %
  • Net Income
    1.1M -6.3 %
  • Book Value
    40.4M 8.6 %
  • Book Value x2
    80.9M 8.6 %
  • Book Value x3
    121.3M 8.6 %




Efficiency Ratio


Net Interest Margin


Balance Sheet Highlights
Financial Highlights Southern Heritage Bank All Insured Commercial Banks in Tennessee
Balance Sheet $(000)
Total Assets
Total Net Loans
Total Deposits
Total Equity
Net Income
Return on Average Assets
Return on Average Equity
Net Interest Margin
Efficiency Ratio
Noninterest Income/Revenue
Balance Sheet Ratios
Total Equity/Total Assets
Tangible Equity/Tangible Assets
Capital Adequacy
Tier 1 Common Capital
Tier 1 Capital
Tier 2 Capital
Total Capital
Total Risk Weighted Assets
Leverage Ratio
Common Equity Tier 1 Capital Ratio
Tier 1 Capital Ratio
Total Capital Ratio

Timeline for Southern Heritage Bank

First Citizens National Bank

Southern Heritage Bank was acquired by First Citizens National Bank 5 years

View Profile Sep 30 2016

First Citizens Bancshares, Inc.

First Citizens Bancshares, Inc. became a new parent organization for Southern Heritage Bank.

View Profile Oct 01 2014

Southern Heritage Bancshares, Inc.

Southern Heritage Bancshares, Inc. became a new parent organization for Southern Heritage Bank.

View Profile Sep 01 2004

Southern Heritage Bank

Southern Heritage Bank was established 22 years ago and is currently headquartered in Cleveland, TN.

Apr 12 1999
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First Citizens National Bank Buyer 1,623,051 Pooling of Interests Discontinued 9/30/2016
Relationships Role Relationship Start Relationship End
First Citizens Bancshares, Inc. Parent 10/1/2014 9/29/2016
Southern Heritage Bancshares, Inc. Parent 9/1/2004 9/30/2014
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