Southtrust Bank, N.A.: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 210.92 percentage points lower than in Q1 2026, at 489.23%. Southtrust Bank, N.A. ranks 128th of 345 Texas banks on return on assets, in the upper half at 1.68% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Southtrust Bank, N.A. sits 0.42 points higher, at 1.68% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 21.40% |
| Tier 1 risk-based capital ratio | 21.40% |
| Total risk-based capital ratio | 22.65% |
| Tier 1 leverage ratio | 12.50% |
| Equity capital to assets | 12.18% |
| Tangible equity to tangible assets | 12.18% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.27% |
| Non-performing assets ratio | 0.22% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 1.71% |
| Allowance for credit losses to loans | 1.30% |
| Reserve coverage of non-performing loans | 489.23% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.68% |
| Return on equity | 13.71% |
| Net interest margin | 4.32% |
| Efficiency ratio | 70.26% |
| Yield on earning assets | 5.46% |
| Cost of funds | 1.22% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.37% |
| Core deposits to total deposits | 93.08% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.15% |
| Securities to assets | 28.00% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.94% | 16.94% | 18.19% | 10.91% | 0.76% |
| Q4 2023 | 16.86% | 16.86% | 18.11% | 10.76% | 1.26% |
| Q1 2024 | 17.39% | 17.39% | 18.64% | 10.55% | 1.40% |
| Q2 2024 | 17.91% | 17.91% | 19.16% | 10.97% | 1.40% |
| Q3 2024 | 18.30% | 18.30% | 19.56% | 11.10% | 1.14% |
| Q4 2024 | 18.87% | 18.87% | 20.12% | 11.08% | 2.07% |
| Q1 2025 | 18.63% | 18.63% | 19.88% | 11.61% | 1.12% |
| Q2 2025 | 18.50% | 18.50% | 19.75% | 11.87% | 0.76% |
| Q3 2025 | 19.03% | 19.03% | 20.29% | 11.70% | 1.86% |
| Q4 2025 | 19.84% | 19.84% | 21.09% | 11.20% | 1.17% |
| Q1 2026 | 20.42% | 20.42% | 21.67% | 12.04% | 1.27% |
| Q2 2026 | 21.40% | 21.40% | 22.65% | 12.50% | 1.68% |
Southtrust Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Southtrust Bank, N.A., 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 Southtrust Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13919) · FFIEC NIC profile (RSSD 521158)