The SHB Bancorp, Inc. All Credit Levels is a cdfi lender from SHB Bancorp, Inc.. Rewards: lagniappe (n): a little something extra; a bonus (in Louisiana). Southern Heritage Bank is an independently owned community bank located in Jonesville, Louisiana, serving the financial needs of residents in Rapides, Catahoula, and LaSalle parishes. The bank offers a range of personal and business banking services, including various types of loans and accounts tailored to meet community needs. Services include: business loans, personal loans, mortgages. US Treasury certified CDFI Bank/Thrift in Jonesville, LA.