SOUTHERNTRUST BANK

MARION, IL | Small | Est. May 31, 2005, midnight | FDIC #57897 | RSSD #3316739 | FDIC
Latest Report: 2025-12-31

SOUTHERNTRUST BANK is asn small FDIC-insured commercial bank headquartered in MARION, IL, established in May 31, 2005, midnight. As of 2025-12-31, the bank reported total assets of $289M and total deposits of $203M. Profitability stands at 1.14% ROA and 10.70% ROE, with a net interest margin of 3.68%. The bank's CET1 capital ratio is 9.08%. Asset quality metrics show a non-performing loan ratio of 2.35% and a Texas Ratio of 16.08%. FDIC Certificate #57897.

Assets

$289M

Deposits

$203M

Loans

$209M

Equity

$30M

Profitability

Return on Assets (ROA) 1.14%
Return on Equity (ROE) 10.70%
Net Interest Margin (NIM) 3.68%
Yield on Assets 6.11%
Cost of Funds 2.51%

Asset Quality

NPL Ratio 2.35%
Net Charge-Off Ratio -0.22%
Texas Ratio 16.08%
NPA Ratio 1.85%
ACL / Loans 1.47%

Capital & Liquidity

CET1 Ratio 9.08%
Tier 1 Capital 9.08%
Total Capital Ratio 9.54%
Leverage Ratio 10.46%
Loan-to-Deposit 102.97%

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