Southerntrust Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 4.48 percentage points higher than in Q1 2026, at 185.96%. Among 323 Illinois banks, Southerntrust Bank sits 9th from the top on loan-to-deposit ratio, 109.57% as of Q2 2026. Southerntrust Bank reported 109.57% on loan-to-deposit ratio for Q2 2026, 28.73 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $210.7M |
| Net loans and leases | $208.0M |
| Loans held for sale | $0 |
| Loans to total assets | 75.67% |
| Loan-to-deposit ratio | 109.57% |
| Net loans to equity capital | 6.79% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.14% |
| Multifamily (5+ residential) | 4.39% |
| Commercial and industrial | 15.38% |
| Consumer | 3.06% |
| Credit cards | 0.00% |
| Farm | 4.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.45% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 185.96% |
| Construction concentration (Tier 1 capital + allowance) | 40.31% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.68% |
| Interest income on loans | $3.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $195.9M | $188.0M | 30.26% | 14.17% | 2.01% |
| Q4 2023 | $197.3M | $198.5M | 29.54% | 14.27% | 2.05% |
| Q1 2024 | $198.1M | $194.3M | 29.06% | 15.47% | 2.13% |
| Q2 2024 | $199.8M | $192.4M | 29.27% | 15.83% | 2.09% |
| Q3 2024 | $203.0M | $187.6M | 31.01% | 15.38% | 2.04% |
| Q4 2024 | $204.1M | $196.4M | 29.42% | 19.68% | 2.07% |
| Q1 2025 | $204.4M | $200.2M | 28.93% | 16.65% | 2.56% |
| Q2 2025 | $201.0M | $192.0M | 33.78% | 13.16% | 2.70% |
| Q3 2025 | $204.2M | $192.7M | 30.21% | 14.48% | 3.23% |
| Q4 2025 | $208.5M | $202.5M | 28.68% | 14.96% | 3.30% |
| Q1 2026 | $211.5M | $196.0M | 27.52% | 14.85% | 3.18% |
| Q2 2026 | $210.7M | $192.3M | 27.14% | 15.38% | 3.06% |
Southerntrust Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Southerntrust Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Southerntrust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57897) · FFIEC NIC profile (RSSD 3316739)