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
Unfavorable gap of $4.7M · efficiency ratio beats 78% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.32% | 0.70% | 1.03% | 1.34% | Beats 74% | 40 / 151 | |
| Return on Equity | 11.98% | 6.74% | 9.34% | 12.94% | Beats 70% | 46 / 151 | |
| Net Interest Margin | 3.50% | 3.02% | 3.43% | 3.83% | Beats 57% | 65 / 151 | |
| Efficiency Ratio | 53.90% | 54.64% | 64.89% | 72.50% | Beats 78% | 34 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.59% | 0.20% | 0.66% | 1.77% | Beats 15% | 128 / 149 | |
| Net Charge-Offs / Loans | 0.18% | 0.00% | 0.02% | 0.07% | Beats 15% | 128 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 10.23% | 11.83% | 14.17% | 18.66% | Beats 4% | 145 / 151 | |
| Total Risk-Based Capital Ratio | 10.23% | 12.22% | 14.54% | 19.92% | Beats 4% | 145 / 151 | |
| Equity / Assets | 11.00% | 9.10% | 10.65% | 12.40% | Beats 59% | 62 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 109.57% | 54.39% | 71.02% | 80.75% | 99th pctl | 1 / 149 | |
| Loans / Assets | 75.67% | 45.91% | 61.31% | 68.01% | 92nd pctl | 12 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |