About Us

At Southern Heritage Bank, we are committed to providing a blend of innovative financial products, top-notch technology and a level of personal interest in YOUR well-being that sets SHB apart from all other Bradley County financial institutions.  It is this commitment – which started with the formation of Southern Heritage right here in Cleveland in 1999 – that reinforces our promise that you can “Expect A Difference” by banking with us.

We’re proud of our neighborhood feel and community emphasis where people – teammates and customers alike – are treated with warmth and respect.  As a community bank, we feel privileged to be in a position of “giving back” to the betterment of our friends and fellow citizens. We are also pleased that so many of our teammates are deeply engaged in activities, events and organizations that make Cleveland-Bradley County such a great place to call “home!” 

The following are even more reasons that you can “Expect A Difference” from Southern Heritage Bank … reasons that set our bank apart from other financial institutions in Cleveland-Bradley County:

  •       Local Investment – Your deposits are invested into the local economy via loans to help individuals and growing families … and to fuel the growth and prosperity of local businesses.  
  •       Local Leadership – Community-focused management – backed by a solid local Board of Directors – has guided SHB since its founding and approves loans right here in Bradley County.
  •       Local Shareholders – From its beginnings, SHB has been Bradley County’s most “widely owned” bank with as many as 800 local shareholders.  When Southern Heritage Bank became a subsidiary of First Citizens Bancshares Inc. in October 2014,  the vast majority of local shareholders retained stock ownership in the subsequent holding company.This shareholder loyalty demonstrates ongoing confidence in our bank’s continued success in this vibrant market. 
  •       Local Benefits of Merging The Southern Heritage Bank merger with First Citizens Bancshares Inc. is a win/win/win proposition for our Shareholders, our Community and our Teammates.  For Our Shareholders … This investment represents an outstanding 13% average annual return for the past 15 years.  Another big plus is First Citizens stock currently yields 3% annually from the dividend alone.  We are now part of the 7th largest bank in Tennessee, and the most profitable among the seven. This state-wide holding company has plans for further expansion in Tennessee.  For Our Community … First Citizens National Bank is a quality institution with a strong capital base, and is deeply rooted in its community, just as Southern Heritage is in Cleveland. Your familiar SHB executive team will continue to manage the bank here in Bradley County.  FCNB’s culture is extraordinarily similar to the traditional culture Southern Heritage Bank was founded upon.  For Our Teammates … First Citizens National Bank offers superior employee benefits including retirement, insurance and company ownership.  The company has superior staying power based on its strong capital position.  With broader financial product offerings and better company benefits, our teammates will have greater opportunities to develop their careers.  Because this is a merger of matching cultures, our teammates can continue to pursue their careers with a sense of familiarity and confidence … which is good for our employees AND our customers!

Our Mission Statement

To be a "community-focused" provider of financial services and expertise

To help consumers and small businesses reach their financial goals

To promote the economic health, livability and vitality of Cleveland and Bradley County

To enhance shareholder value

To reflect Christian values in all of our business relationships

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