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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

5.63%Q2 ’246.08%Q2 ’255.75%Q2 ’26+24%-3%

Non-interest income vs. expense

1.99%Q2 ’242.06%Q2 ’252.16%Q2 ’26+2%-1%

Executive Summary

  • Earnings: ROA of 1.32%, up 28 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 2.59% of loans (+65 bps YoY), with net recoveries of 0.02%.
  • 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 (quarter, annualized)

1.32%+28 bps YoY

Net Interest Margin (quarter, annualized)

3.54%-11 bps YoY

Efficiency Ratio (quarter, annualized)

53.56%+253 bps YoY

Tier 1 Leverage Ratio

10.23%+24 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%1.10%1.14%1.27%1.32%+28 bps
Return on Equity10.22%10.31%10.70%11.83%12.04%+182 bps
Net Interest Margin3.65%3.34%3.51%3.48%3.54%-11 bps
Efficiency Ratio51.03%59.34%56.94%53.66%53.56%+253 bps
Non-Interest Burden1.67%1.85%1.84%1.71%1.66%-1 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 / Loans0.03%-1.20%0.03%0.71%-0.02%-5 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