PackageTrendsPeer
Letter portraitLegal landscape

Southerntrust Bank

Marion, IL · Cert 57897 · South Porte Financial Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

22

Q2 2024Q2 2026peer median (50)

Asset Quality

15

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

78

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Southerntrust Bank

Marion, IL · Cert 57897 · South Porte Financial Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$278.5MAssets
$210.7MLoans
$192.3MDeposits
$30.6MEquity
Loan mix
82%RE $171.5M15%C&I $31.4M3%Consumer $6.7MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $166.5M13%Noninterest $25.9MQ2 2025Q2 2026

NIM

5.55%Q2 ’245.98%Q2 ’255.69%Q2 ’26+19%+2%

Non-interest income vs. expense

2.16%Q2 ’241.99%Q2 ’252.10%Q2 ’26-9%+3%

Executive Summary

  • Earnings: ROA of 1.29%, up 26 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 2.59% of loans (+65 bps YoY), with net charge-offs at 0.35%.
  • Capital: tier 1 leverage ratio of 10.23%, up 24 bps from a year ago.
  • Funding: loans stand at 109.57% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.29%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.50%+6 bps YoY

Efficiency Ratio (YTD, annualized)

53.61%+121 bps YoY

Tier 1 Leverage Ratio

10.23%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.05%1.07%1.27%1.29%+26 bps
Return on Equity10.18%10.21%10.33%11.83%11.97%+179 bps
Net Interest Margin3.44%3.37%3.45%3.48%3.50%+6 bps
Efficiency Ratio52.40%54.68%55.25%53.66%53.61%+121 bps
Non-Interest Burden1.63%1.69%1.74%1.71%1.68%+5 bps
Growth
Asset Growth (YoY)3.97%0.26%4.25%2.53%1.54%-242 bps
Loan Growth (YoY)0.61%0.57%2.18%3.47%4.84%+423 bps
Deposit Growth (YoY)-0.25%2.74%3.11%-2.07%0.20%+45 bps
Asset Quality
Nonperforming Loans / Loans1.95%2.03%2.35%2.18%2.59%+65 bps
Net Charge-Offs / Loans0.15%-0.31%-0.22%0.71%0.35%+20 bps
Allowance / Loans1.19%1.47%1.47%1.28%1.30%+12 bps
Allowance Coverage of NPLs0.6x0.7x0.6x0.6x0.5x-0.1x
Capital
Tier 1 Leverage Ratio10.00%10.06%10.46%10.40%10.23%+24 bps
Total Risk-Based Capital10.00%10.06%10.46%10.40%10.23%+24 bps
Equity / Assets10.34%10.93%10.46%10.98%11.00%+65 bps
Liquidity & Funding
Loans / Deposits104.72%105.95%102.97%107.89%109.57%+485 bps
Liquid Assets / Assets10.79%7.84%10.56%8.77%8.24%-255 bps
CRE / Total Capitaln/a292%289%273%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Southerntrust Bank

Marion, IL · Cert 57897 · Peer group: banks under $1B in assets in IL (n=149-151) · South Porte Financial Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$278.5MAssets
$210.7MLoans
$192.3MDeposits
$30.6MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 78% of banks under $1B in assets in IL (rank 34 of 151).
  • Widest gap: total risk-based capital ratio trails 96% of banks under $1B in assets in IL (rank 145 of 151).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.32%

Rank 40 of 151

Net Interest Margin

3.50%

Rank 65 of 151

Efficiency Ratio

53.90%

Rank 34 of 151

Equity / Assets

11.00%

Rank 62 of 151

Non-interest income vs. expense

$1.2M$5.9MINCOMEEXPENSE
Unfavorable gap of $4.7M · efficiency ratio beats 78% of banks under $1B in assets in IL
Bank 53.90%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.32%0.70%1.03%1.34%Beats 74%40 / 151
Return on Equity11.98%6.74%9.34%12.94%Beats 70%46 / 151
Net Interest Margin3.50%3.02%3.43%3.83%Beats 57%65 / 151
Efficiency Ratio53.90%54.64%64.89%72.50%Beats 78%34 / 151
Asset Quality
Nonperforming Loans / Loans2.59%0.20%0.66%1.77%Beats 15%128 / 149
Net Charge-Offs / Loans0.18%0.00%0.02%0.07%Beats 15%128 / 149
Capital
Tier 1 Capital Ratio10.23%11.83%14.17%18.66%Beats 4%145 / 151
Total Risk-Based Capital Ratio10.23%12.22%14.54%19.92%Beats 4%145 / 151
Equity / Assets11.00%9.10%10.65%12.40%Beats 59%62 / 151
Liquidity & Funding
Loans / Deposits109.57%54.39%71.02%80.75%99th pctl1 / 149
Loans / Assets75.67%45.91%61.31%68.01%92nd pctl12 / 151
Brokered Deposits / Depositsn/aNot reported for this institution