Southerntrust Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Southerntrust Bank of Marion, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.32% | 1.34% | -0.02% | 54th above |
| ROAE | 12.04% | 13.31% | -1.27% | 48th below |
| Net Interest Margin | 3.76% | 3.93% | -0.17% | 40th below |
| Efficiency Ratio | 52.64% | 61.14% | -8.50% | 75th top |
| PPNR / Avg Assets | 1.85% | 1.68% | +0.17% | 65th above |
| Yield on Earning Assets | 6.12% | 5.67% | +0.45% | 73rd above |
| Cost of Funds | 2.52% | 1.88% | +0.64% | 15th bottom |
| Net Interest Spread | 3.28% | 3.32% | -0.04% | 48th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.73% | 0.94% | +1.79% | 8th bottom |
| NPA / Total Assets | 2.29% | 0.70% | +1.59% | 6th bottom |
| NCO / Avg Loans | -0.02% | 0.16% | -0.18% | 90th top |
| ACL / Total Loans | 1.30% | 1.28% | +0.02% | 62nd above |
| ACL / NPLs (Coverage) | 47.76% | 1539.11% | -1491.35% | 10th bottom |
| Texas Ratio | 20.85% | 7.33% | +13.52% | 7th bottom |
| Provision / NCO | 14.13% | 1396.06% | -1381.93% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.23% | 12.14% | -1.91% | 36th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.00% | 11.37% | -0.37% | 60th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.27% | 11.09% | -0.82% | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 109.57% | 80.63% | +28.94% | 4th bottom |
| Core Deposit Ratio | 91.08% | 86.86% | +4.22% | 62nd above |
| Wholesale Funding Ratio | 19.55% | 5.03% | +14.52% | 1st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.54% | 6.85% | -5.31% | 29th below |
| Loan Growth (Y/Y) | 4.84% | 7.90% | -3.06% | 47th below |
| Deposit Growth (Y/Y) | 0.20% | 6.29% | -6.09% | 24th bottom |
See Southerntrust Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Southerntrust Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Southerntrust Bank profile, how to read a UBPR, or how this data updates.