Southerntrust Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 6.52 percentage points in Q2 2026, from 54.29% to 47.76%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Southerntrust Bank is 131st of 323 on return on assets, 1.32% as of Q2 2026, above the middle of the field. Southerntrust Bank reported 1.32% on return on assets for Q2 2026, 0.06 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.23% |
| Equity capital to assets | 11.00% |
| Tangible equity to tangible assets | 10.27% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.73% |
| Non-performing assets ratio | 2.29% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 20.85% |
| Allowance for credit losses to loans | 1.30% |
| Reserve coverage of non-performing loans | 47.76% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.32% |
| Return on equity | 12.04% |
| Net interest margin | 3.76% |
| Efficiency ratio | 52.64% |
| Yield on earning assets | 6.12% |
| Cost of funds | 2.52% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.57% |
| Core deposits to total deposits | 91.08% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 69.06% |
| Securities to assets | 10.54% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.29% | 1.04% | 3.31% | 1.09% | -0.04% |
| Q4 2023 | 9.12% | 1.16% | 3.12% | 1.05% | -0.00% |
| Q1 2024 | 9.13% | 0.67% | 2.97% | 1.02% | 0.03% |
| Q2 2024 | 9.55% | 0.98% | 3.14% | 0.98% | 0.00% |
| Q3 2024 | 9.62% | 0.76% | 2.91% | 1.88% | 0.13% |
| Q4 2024 | 9.53% | 0.67% | 3.17% | 1.59% | 0.68% |
| Q1 2025 | 9.58% | 1.02% | 3.37% | 1.12% | 0.25% |
| Q2 2025 | 10.00% | 1.06% | 3.89% | 2.16% | 0.03% |
| Q3 2025 | 10.06% | 1.08% | 3.55% | 2.24% | -1.22% |
| Q4 2025 | 10.46% | 1.17% | 3.74% | 2.55% | 0.03% |
| Q1 2026 | 10.40% | 1.29% | 3.70% | 2.35% | 0.72% |
| Q2 2026 | 10.23% | 1.32% | 3.76% | 2.73% | -0.02% |
Southerntrust Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Southerntrust Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)