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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