Safety and Soundness of Southern Heritage Bank

Safety and Soundness of Southern Heritage Bank

The news is currently covering the recent bank failures in the United States and overseas. These failures are by large banks that dealt with venture capital companies and the crypto industry – ones dealing with higher risk customers and industries. They were not smaller community banks like Southern Heritage Bank.

Southern Heritage Bank is a stable and conservative community bank that is over 50 years old. We have a “Solid Past with a Bright Future.” Here are a few important points for you to consider about the safety and soundness of Southern Heritage Bank:

• As a community bank, Southern Heritage Bank remains well capitalized and well positioned to continue to serve our customers and community. We were chartered over 50 years ago and expect to serve this community for generations to come.

• As a community bank customer, you have access to our experienced team, and we stand ready to always assist you with any of your questions or concerns.

• As a community bank, we take pride in our relationship-based business model focused on building long-term trust with our customers. After all, we live in your community too and your success is our success.

• Nobody has ever lost a dime of FDIC-insured deposits up to $250,000. For those customers who have questions about whether additional insurance coverage is needed, we are ready and prepared to assist you in identifying whether additional insurance coverage is necessary and ensuring your deposit needs are met. If you have questions about your coverage, or would like to learn more about FDIC insurance and how it works, we encourage you to access the FDIC website and view their resources, such as the FDIC Deposit Insurance FAQs and the FDIC Calculators.

Southern Heritage Bank will continue to be your community bank in the days, months and years to come.

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