About Us

At Southern Heritage Bank, we strive to provide our customers with innovative products and services backed by top-notch technology. We’re proud of our neighborhood feel and community emphasis where people – employees and customers alike – are treated with warmth and respect. If you are looking for a bank with simple, easy-to-understand accounts … or no unexpected  surprises … or where you will be treated with respect and flexibility, we are your bank.

Southern Heritage Bank is proud to be part of the Cleveland-Bradley County community with:

  • Local Investment – Your deposits are invested into the local economy via loans to help individuals and growing families … and to grow prosperous 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 division of First Citizens Bancshares Inc., in October 2014,  the vast majority of local shareholders retained stock ownership in the new holding company, which demonstrated ongoing confidence in this bank’s continued success.

  • Local Involvement – SHB’s officers and staff lead and participate in a wide variety of  community endeavors, civic clubs, professional organizations and non-profit entities.

We live, work and care about Bradley County as much as you do … and when you place your confidence in Southern Heritage Bank, you can always Expect A Difference! 

Our Mission Statement

To be a "community-owned" provider of financial services, operating

To help consumers and small businesses reach their financial goals,

To promote the economic health of Cleveland and Bradley County,

To enhance shareholder value, and

To reflect Christian values in all of our business relationships.

Learn More About Us


Board of Directors

Shareholder Information

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Our History

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