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Southerntrust Bank
Marion, IL · FDIC Certificate #57897 · Chartered 05/3
Total assets
$278.50M
Total deposits
$192.34M
Total equity
$30.62M
Net loans
$207.99M
Branches (offices)
3
Net income (YTD)
$1.83M
Rank: #2,573 of 4,213 U.S. banks by assets · #163 of 322 in Illinois. Assets changed 1.5% and deposits 0.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.29% |
| Return on equity | 11.97% |
| Net interest margin (YTD) | 3.72% |
| Equity to assets | 11.00% |
| Tier 1 leverage ratio | 10.23% |
| Uninsured deposits (share of deposits) | 18.7% |
| Noncurrent loans (share of loans) | 2.59% |
| Net charge-offs (share of loans) | 0.35% |
| Loans to deposits | 108.1% |
| Real estate loans (share of loans) | 81.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $170.16M | 81.8% | |
| Commercial & industrial | $32.41M | 15.6% | |
| Consumer / individual | $6.44M | 3.1% | |
| Construction & development | $12.63M | 6.1% | |
| Agricultural | $779.00K | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $220.53M | $168.39M | $1.66M | $23.52M |
| Jun 2023 | $255.81M | $181.90M | $1.27M | $24.51M |
| Jun 2024 | $263.79M | $192.43M | $1.10M | $26.79M |
| Jun 2025 | $274.26M | $191.95M | $1.42M | $28.36M |
| Jun 2026 | $278.50M | $192.34M | $1.83M | $30.62M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $192.34M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $192.34M.
Similar-sized banks
First Federal Savings And Loan Association Of Valdosta ($278.50M) · First Bank Of Ohio ($278.43M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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