BlastPoint's Banking Scorecard

SouthTrust Bank, N.A.

$100M-$1B Specialty: Commercial TX FDIC cert 13919

George West, TX

8 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
Deposits +3.5% year over year ($504.4M on the books).
Delinquency rate 0.27%.
Return on assets 1.43%.
Efficiency ratio 70.05% vs a 64.48% peer average.
Loan-to-deposit ratio 65.51% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (TX) →

SouthTrust Bank, N.A. has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.11% above tier average
+ Net Interest Margin 0.25% above tier average
+ Delinquency Rate 0.65% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 29.5% in tier
- Efficiency Ratio 5.58% above tier average

Get updates when SouthTrust Bank, N.A. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$578.8M +4.0% YoY -3.0% QoQ	+$192.2M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	79%
Total Loans ?	$330.4M -5.6% YoY -1.2% QoQ	+$72.1M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	71%
Total Deposits ?	$504.4M +3.5% YoY -3.8% QoQ	+$177.7M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	80%
Return on Assets ?	1.43% +51.9% YoY +16.5% QoQ	+0.11%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	61%
Net Interest Margin ?	4.24% -3.8% YoY +0.9% QoQ	+0.25%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	67%
Efficiency Ratio ?	70.05% -0.1% YoY +0.3% QoQ	+5.58%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	30%
Delinquency Rate ?	0.27% +196.7% YoY +31.7% QoQ	-0.65%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	60%
Loan-to-Deposit Ratio ?	65.51% -8.8% YoY +2.7% QoQ	-12.44%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	76%
Non-Interest-Bearing Deposit Share ?	27.43% -20.4% YoY -8.0% QoQ	+5.40%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	75%
Nonperforming Asset Ratio ?	0.22% +118.0% YoY +46.9% QoQ	-0.45%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	58%
Tier 1 Capital Ratio ?	21.40% +15.7% YoY +4.8% QoQ	+5.49%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Top 11.3% in tier
Non-Interest Income / Assets ?	0.19% -4.5% YoY +116.5% QoQ	-0.38%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	47%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	27.4% -7.0pp YoY -2.4pp QoQ	+5.3pp	22.1%	29.2%	22.2%	74%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	6.5% +0.3pp YoY 0.0pp QoQ	-5.0pp	11.6%	14.8%	12.5%	29%
CRE	54.5% -1.3pp YoY +0.2pp QoQ	+15.0pp	39.5%	48.4%	41.4%	77%
1-4 Family	37.7% +0.6pp YoY -0.3pp QoQ	+5.1pp	32.6%	25.8%	31.3%	66%
Consumer	1.2% +0.2pp YoY 0.0pp QoQ	-2.9pp	4.1%	4.7%	5.0%	34%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	21.4% +2.9pp YoY +1.0pp QoQ	+2.6pp	18.8%	22.7%	19.7%	82%
Leverage Ratio	12.5% +0.6pp YoY +0.5pp QoQ	+0.3pp	12.2%	12.6%	12.6%	70%
Total Capital Ratio	22.6% +2.9pp YoY +1.0pp QoQ	+2.7pp	19.9%	23.8%	20.8%	82%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	102 -1 (-1.0%) YoY +2 (+2.0%) QoQ	+43	58	186	482	88%
Assets per Employee ($)	$5.7M +5.0% YoY -4.9% QoQ	-$1.8M	$7.5M	$10.1M	$8.8M	26%
Branch Count	8 +1 (+14.3%) YoY 0 QoQ	+3	4	12	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.3% +0.2pp YoY +0.1pp QoQ	-0.7pp	0.9%	1.0%	1.0%	36%
Allowance Coverage	4.89x -72.0% YoY -30.1% QoQ	-19.26x	24.15x	18.82x	20.23x	70%
Net Charge-off Rate (YTD)	0.0% +0.1pp YoY -0.1pp QoQ	-0.1pp	0.1%	0.1%	0.2%	67%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	12.2% +4.0pp YoY +1.5pp QoQ	0.0pp	12.2%	13.2%	11.6%	50%
Cost of Funds (YTD)	1.2% 0.0pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.6%	1.7%	17%
Net Income ($, YTD)	$4.2M +60.7% YoY — QoQ	+$1.7M	$2.6M	$15.9M	$40.4M	82%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk

#371 of 1256 • Bottom 29.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.27%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

300

Tier 1 Capital Ratio

capital

Value: 21.40%

Peer Median: 15.91%

#300 of 2643 Top 11.3% in $100M-$1B

521

Total Deposits

size

Value: $504.40M

Peer Median: $326.73M

#521 of 2643 Top 19.7% in $100M-$1B

561

Total Assets

size

Value: $578.80M

Peer Median: $386.57M

#561 of 2643 Top 21.2% in $100M-$1B

638

Loan-to-Deposit Ratio

liquidity

Value: 65.51%

Peer Median: 77.95%

#638 of 2643 Top 24.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available