🏦Bank Scorer

SOUTHERN HILLS COMMUNITY BANK

LEESBURG, OH · Supervised by OTS

Est. 1884FDIC #29,749
Outstanding Up

Current rating · Exam: July 2008

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.55%

Institution Profile

FDIC BankFind

Address

45 E Main St, LEESBURG, OH

County

Highland County

Established

January 1, 1884

Total Assets

$206M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 7, 2008

Exam Type

Small Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 17 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)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$206M

Total Deposits

$176M

Net Loans

$104M

Net Income

$280K

ROA

0.55%

ROE

4.05%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Peer Comparison

Small banks

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

Mortgage Denial Rate11.76%Peer avg: 7.63%▼ Below avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$172M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20246885.29%11.76%
20239078.89%15.56%
202214180.14%10.64%
202114881.76%14.19%
20206377.78%11.11%
201912272.95%18.85%
201810284.31%10.78%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

5 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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