Bank Comparison
Southern Bank and Trust Company vs Morton Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 15
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Southern Bank and Trust Company | Morton Community Bank |
|---|---|---|
| CET1 Ratio | 13.12% | 14.06% |
| Tier 1 Capital Ratio | 13.12% | 14.06% |
| Total Capital Ratio | 14.07% | 15.05% |
| Tier 1 Leverage Ratio | 9.69% | 10.81% |
| Equity / Assets | 8.22% | 9.74% |
Profitability
| Metric | Southern Bank and Trust Company | Morton Community Bank |
|---|---|---|
| Return on Assets (ROA) | 0.85% | 1.66% |
| Return on Equity (ROE) | 10.90% | 17.22% |
| Net Interest Margin (NIM) | 3.50% | 3.34% |
| Yield on Earning Assets | 4.45% | 4.92% |
| Cost of Funds | 1.05% | 1.72% |
Asset quality
| Metric | Southern Bank and Trust Company | Morton Community Bank |
|---|---|---|
| Texas Ratio | 0.96% | 8.41% |
| Non-Performing Loan Ratio | 0.12% | 1.01% |
| Non-Performing Asset Ratio | 0.08% | 0.69% |
| Net Charge-Off Ratio | 0.00% | 0.38% |
| ACL / Loans | 1.05% | 1.13% |
Balance sheet
| Metric | Southern Bank and Trust Company | Morton Community Bank |
|---|---|---|
| Total Assets | $5,251M | $5,281M |
| Total Deposits | $4,773M | $4,558M |
| Total Loans | $3,477M | $3,490M |
| Total Equity | $431,692K | $514,392K |
| Net Income (quarter) | $11,662K | $22,514K |
Liquidity & funding
| Metric | Southern Bank and Trust Company | Morton Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 72.85% | 76.57% |
| Core Deposit Ratio | 93.32% | 93.85% |
| Uninsured Deposit Ratio | 47.15% | 26.45% |
Identity
| Metric | Southern Bank and Trust Company | Morton Community Bank |
|---|---|---|
| Headquarters City | MOUNT OLIVE | MORTON |
| Headquarters State | NC | IL |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 56 | 50 |
| Employees (FTE) | 595 | 551 |
| Established | Jan. 1, 1901, midnight | Aug. 26, 1961, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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