BlastPoint's Banking Scorecard
SouthernTrust Bank
Marion, IL
3 branches across IL
SouthernTrust Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 11.63% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 30.6% in tier
- - Loan-to-Deposit Ratio 29.88% above tier average
- - Nonperforming Asset Ratio 1.23% above tier average
- - Net Interest Margin 0.27% below tier average
- - Delinquency Rate 1.32% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$282.7M
+2.5% YoY
-2.2% QoQ
|
-$103.4M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
43% |
| Total Loans ? |
$208.8M
+3.2% YoY
+1.6% QoQ
|
-$46.9M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
50% |
| Total Deposits ? |
$196.0M
-2.1% YoY
-3.2% QoQ
|
-$131.9M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
33% |
| Return on Assets ? |
1.27%
+24.5% YoY
+18.4% QoQ
|
+0.00% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
54% |
| Net Interest Margin ? |
3.66%
+8.0% YoY
+1.4% QoQ
|
-0.27% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
39% |
| Efficiency Ratio ? |
53.66%
-0.5% YoY
-2.9% QoQ
|
-11.63% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
77% |
| Delinquency Rate ? |
2.21%
+142.5% YoY
-7.5% QoQ
|
+1.32% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 10.6% in tier |
| Loan-to-Deposit Ratio ? |
106.52%
+5.4% YoY
+5.0% QoQ
|
+29.88% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
Bottom 4.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.38%
+3.1% YoY
+15.4% QoQ
|
-8.63% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
19% |
| Nonperforming Asset Ratio ? |
1.87%
+90.8% YoY
+1.0% QoQ
|
+1.23% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 7.7% in tier |
| Tier 1 Capital Ratio ? |
10.40%
+8.6% YoY
-0.5% QoQ
|
-5.43% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 15.0% in tier |
| Non-Interest Income / Assets ? |
0.08%
-0.3% YoY
-74.8% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
41% |
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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 (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.