Southtrust Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Southtrust Bank, N.A. is an FDIC-insured commercial bank headquartered in George West, TX, established in 1934 (FDIC certificate 13919), and it is supervised by the OCC. At Q2 2026 it reported total assets of $578.8M, up 4.0% from Q2 2025, the 145th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 21.40% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 13919
- Headquarters
- George West, TX
- Established
- 1934
- Total assets, Q2 2026
- $578.8M
- Assets vs Q2 2025
- +4.0%
- CET1 ratio, Q2 2026
- 21.40%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 114917908
- Latest call report
- Q2 2026, FFIEC 051 · Southtrust Bank, N.A. call report
- Holding company
- LIVE OAK BANCSHARES CORPORATION
- Asset rank in state
- 145th of 346 in Texas
Southtrust Bank, N.A., based in George West, Texas, reported $579 million in assets at June 30, 2026, up 4.0% from a year earlier. It shrank its loan book 5.8% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also pays an average of 1.22% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $2.4 million, 126% above the same quarter a year earlier. Over the same year, loans shrank 5.8% and deposits grew 3.5%. One more trend to watch: problem loans have nearly tripled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.27% of loans, against 0.09% a year earlier.
As of June 30, 2026, Southtrust Bank, N.A. reported a CET1 capital ratio of 21.40%, a return on assets of 1.68%, a nonperforming-loan ratio of 0.27% and a Texas ratio of 1.71%. The figures come from its call report filed with the FFIEC.
Southtrust Bank, N.A. ranks as the 145th largest of the 346 banks based in Texas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.0% to $578.8M, loans fell 1.3% and deposits fell 3.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 37.2% of total loans, followed by non-owner-occupied commercial real estate loans at 24.6%. Its 8 offices in the FDIC Summary of Deposits are in 8 cities in TX; its George West office books 31% of its branch deposits. On its Q2 2026 call report, Southtrust Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 601 Guadalupe St, George West, TX 78022
- County
- Live Oak
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 17, 1934
- Former names
- First National Bank (1996-2013)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 102
- Domestic deposits
- $504.4M
- Allowance for credit losses
- $4.4M
- Net charge-offs (YTD)
- $84K
- Average total assets
- $571.1M
- Average total loans
- $332.7M
- Average interest-bearing deposits
- $352.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 20, 1934
- FDIC Cert
- 13919
- Fed RSSD
- 521158
- SEC CIK
- 1723191 → filed by LIVE OAK BANCSHARES CORPORATION
- Website
- www.southtrust.com →
- Parent Holding Company
- LIVE OAK BANCSHARES CORPORATION (RSSD 1105685)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Southtrust Bank, N.A.'s total assets ranged from $536.8M (Q3 2023) to $612.1M (Q3 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
$578.8M total assets against $556.7M; $508.3M total liabilities against $491.0M.
$330.4M net loans and leases against $349.9M; $504.4M total deposits against $487.2M.
$162.1M securities against $138.4M; $64.5M cash and balances due against $47.4M.
$7.4M total interest income against $7.4M; $1.5M total interest expense against $1.4M.
$5.8M net interest income against $5.9M.
$578K total noninterest income against $593K; $4.5M total noninterest expense against $4.5M.
-$491K provision for credit losses against $989K.
$2.4M net income against $1.1M.
1.68% return on assets against 0.76%; 4.32% net interest margin against 4.46%.
21.40% CET1 capital ratio against 18.50%; 12.50% tier 1 leverage ratio against 11.87%.
Inside the full Southtrust Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSouthtrust Bank, N.A. rankings
Its closest position to the top of a national ranking is 273 of 2,134, for CET1 ratio; its furthest is 2,765 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.76% (Q2 2025) to 2.07% (Q4 2024) and its net interest margin ran from 4.08% (Q3 2024) to 4.62% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.40% | 1.68% | 0.27% | 1.71% | 4.32% |
| Q1 2026 | 20.42% | 1.27% | 0.20% | 1.22% | 4.30% |
| Q4 2025 | 19.84% | 1.17% | 0.18% | 1.16% | 4.36% |
| Q3 2025 | 19.03% | 1.86% | 0.16% | 1.03% | 4.62% |
| Q2 2025 | 18.50% | 0.76% | 0.09% | 0.79% | 4.46% |
| Q1 2025 | 18.63% | 1.12% | 0.09% | 0.78% | 4.20% |
| Q4 2024 | 18.87% | 2.07% | 0.17% | 0.90% | 4.20% |
| Q3 2024 | 18.30% | 1.14% | 0.13% | 0.61% | 4.08% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| Southtrust Bank, N.A. (main office) | George West , TX | 78022 | $158.8M |
| Floresville Branch | Floresville , TX | 78114 | $109.6M |
| Town and Country Way Branch | Houston , TX | 77024 | $91.3M |
| Three Rivers Branch | Three Rivers , TX | 78071 | $49.9M |
| East Houston Branch | Channelview , TX | 77530 | $38.7M |
| Pleasanton Branch | Pleasanton , TX | 78064 | $37.4M |
| San Antonio Branch | San Antonio , TX | 78221 | $17.0M |
| Fort Bend Branch | Sugar Land , TX | 77478 | $1.7M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- January 9, 2002, OCC: Formal Agreement: First National Bank
- Period: Most recent institution action January 9, 2002. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 184 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $128K approved, $64K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 Southtrust Bank, N.A.
What are Southtrust Bank, N.A.'s total assets?
As of the Q2 2026 filing, Southtrust Bank, N.A. reported total assets of $578.8 million in its FFIEC call report.
Where is Southtrust Bank, N.A. headquartered?
It is headquartered in George West, TX, United States.
When was Southtrust Bank, N.A. founded?
It was established in 1934, per the FDIC institution directory.
Is Southtrust Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13919). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Southtrust Bank, N.A.?
Southtrust Bank, N.A.'s primary federal regulator is the OCC.
What is Southtrust Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.40% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Southtrust Bank, N.A. operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Southtrust Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 1.71% 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.
What was Southtrust Bank, N.A. previously called?
The charter now named Southtrust Bank, N.A. has also operated as First National Bank (1996-2013), per FDIC structure-change records.
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