Southerntrust Bank
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Data as of · sourced from FFIEC call reports. How we update
Southerntrust Bank is an FDIC-insured commercial bank headquartered in Marion, IL, established in 2005 (FDIC certificate 57897), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $278.5M, up 1.5% from Q2 2025, the 161st largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.23% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57897
- Headquarters
- Marion, IL
- Established
- 2005
- Total assets, Q2 2026
- $278.5M
- Assets vs Q2 2025
- +1.5%
- Tier 1 leverage ratio, Q2 2026
- 10.23%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 081226421
- Holding company
- SOUTH PORTE FINANCIAL INC.
- Asset rank in state
- 161st of 319 in Illinois
Problem loans are rising at Southerntrust Bank. It reported $278 million in assets at June 30, 2026, up 1.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.59% of loans from 1.95% a year earlier. It carries problem assets equal to 19.5% of the capital and reserves that would absorb them, 7.4 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 2.52% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
The commercial and industrial book ($32 million) is worsening: 2.34% of it is past due or on nonaccrual, up from 0.28% a year earlier. Net income for the quarter rose 29% from a year earlier, to $928,000. One more trend to watch: delinquency has appeared in its $36 million non-owner-occupied commercial real estate book: 1.33% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Southerntrust Bank reported a return on assets of 1.32%, a nonperforming-loan ratio of 2.59% and a Texas ratio of 19.55%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Southerntrust Bank is the 161st largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.5% to $278.5M, loans fell 0.4% and deposits fell 1.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 39.2% of total loans, followed by non-owner-occupied commercial real estate loans at 17.3%. The FDIC Summary of Deposits lists 3 offices for it, in Marion, IL, Vienna, IL and Goreville, IL; its Marion office books 40% of its branch deposits. By the capital ratios in its Q2 2026 call report, Southerntrust Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 701 N Court St, Marion, IL 62959
- County
- Williamson
- Metro Area
- Marion-Herrin, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 31, 2005
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $192.3M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- $368K
- Average total assets
- $281.6M
- Average total loans
- $211.1M
- Average interest-bearing deposits
- $169.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 31, 2005
- FDIC Cert
- 57897
- Fed RSSD
- 3316739
- SEC CIK
- 1581894 → filed by SOUTH PORTE FINANCIAL INC.
- Website
- www.southerntrustbank.com →
- Parent Holding Company
- SOUTH PORTE FINANCIAL INC. (RSSD 4456593)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Southerntrust Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Southerntrust Bank's total assets ranged from $262.1M (Q3 2023) to $289.2M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$278.5M total assets against $274.3M; $247.9M total liabilities against $245.9M.
$208.0M net loans and leases against $198.6M; $192.3M total deposits against $192.0M.
$29.3M securities against $26.9M; $25.5M cash and balances due against $33.0M.
$4.0M total interest income against $4.1M; $1.6M total interest expense against $1.7M.
$2.5M net interest income against $2.5M.
$351K total noninterest income against $261K; $1.5M total noninterest expense against $1.4M.
$38K provision for credit losses against $383K.
$928K net income against $720K.
1.32% return on assets against 1.06%; 3.76% net interest margin against 3.89%.
10.23% tier 1 leverage ratio against 10.00%.
Inside the full Southerntrust Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Southerntrust Bank rankings
Its closest position to the top of a national ranking is 179 of 3,640, for Texas Ratio; its furthest is 2,563 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.67% (Q4 2024) to 1.32% (Q2 2026) and its net interest margin ran from 2.91% (Q3 2024) to 3.89% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.23% | 1.32% | 2.59% | 19.55% | 3.76% |
| Q1 2026 | 10.40% | 1.29% | 2.18% | 16.81% | 3.70% |
| Q4 2025 | 10.46% | 1.17% | 2.35% | 17.26% | 3.74% |
| Q3 2025 | 10.06% | 1.08% | 2.03% | 15.36% | 3.55% |
| Q2 2025 | 10.00% | 1.06% | 1.95% | 17.00% | 3.89% |
| Q1 2025 | 9.58% | 1.02% | 0.90% | 9.76% | 3.37% |
| Q4 2024 | 9.53% | 0.67% | 1.46% | 11.29% | 3.17% |
| Q3 2024 | 9.62% | 0.76% | 1.66% | 12.83% | 2.91% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Southerntrust Bank (main office) | Marion , IL | 62959 | $76.0M |
| Vienna Branch | Vienna , IL | 62995 | $59.8M |
| Goreville Branch | Goreville , IL | 62939 | $56.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 18, 2020 | Structure Change | Acquired South Porte Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 17, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 214 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 111 applications, 96 loans originated, $15.7M originated, across 2 states
- Period: Calendar year 2024. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $755K approved, $378K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Southerntrust Bank
What are Southerntrust Bank's total assets?
As of the Q2 2026 filing, Southerntrust Bank reported total assets of $278.5 million in its FFIEC call report.
Where is Southerntrust Bank headquartered?
It is headquartered in Marion, IL, United States.
When was Southerntrust Bank founded?
It was established in 2005, per the FDIC institution directory.
Is Southerntrust Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57897). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Southerntrust Bank?
Southerntrust Bank's primary federal regulator is the FDIC.
How many branches does Southerntrust Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Southerntrust Bank's Texas Ratio?
Its Texas Ratio is 19.55% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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