BlastPoint's Banking Scorecard

SouthernTrust Bank

$100M-$1B Specialty: Commercial IL FDIC cert 57897

Marion, IL

3 branches across IL

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 211 in IL.
Deposits +0.2% year over year ($192.3M on the books).
Delinquency rate 2.63%.
Return on assets 1.29%.
Efficiency ratio 53.61% vs a 64.48% peer average.
Loan-to-deposit ratio 108.14% 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 211 in IL

View $100M-$1B leaderboard (IL) →

SouthernTrust Bank has 1 strength but faces 5 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

+ Efficiency Ratio 10.87% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 22.4% in tier
- Delinquency Rate 1.71% above tier average
- Loan-to-Deposit Ratio 30.19% above tier average
- Nonperforming Asset Ratio 1.52% above tier average
- Net Interest Margin 0.27% below tier average

Get updates when SouthernTrust Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$278.5M +1.5% YoY -1.5% QoQ	-$108.1M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	42%
Total Loans ?	$208.0M +4.7% YoY -0.4% QoQ	-$50.4M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	50%
Total Deposits ?	$192.3M +0.2% YoY -1.9% QoQ	-$134.4M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	32%
Return on Assets ?	1.29% +25.3% YoY +2.1% QoQ	-0.03%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	53%
Net Interest Margin ?	3.72% +2.8% YoY +1.6% QoQ	-0.27%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	38%
Efficiency Ratio ?	53.61% +2.3% YoY -0.1% QoQ	-10.87%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	75%
Delinquency Rate ?	2.63% +33.3% YoY +18.9% QoQ	+1.71%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	Bottom 7.9% in tier
Loan-to-Deposit Ratio ?	108.14% +4.5% YoY +1.5% QoQ	+30.19%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	Bottom 4.0% in tier
Non-Interest-Bearing Deposit Share ?	13.45% +2.2% YoY +0.5% QoQ	-8.58%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	19%
Nonperforming Asset Ratio ?	2.18% +23.8% YoY +16.7% QoQ	+1.52%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	Bottom 6.1% in tier
Tier 1 Capital Ratio ?	10.23% +2.4% YoY -1.6% QoQ	-5.68%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	Bottom 13.4% in tier
Non-Interest Income / Assets ?	0.21% +17.7% YoY +155.1% QoQ	-0.36%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	53%

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 (IL)	National Avg	Tier Percentile
Noninterest-Bearing	13.5% +0.3pp YoY +0.1pp QoQ	-8.7pp	22.1%	20.1%	22.2%	18%
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 (IL)	National Avg	Tier Percentile
C&I	15.6% +2.3pp YoY +0.5pp QoQ	+4.0pp	11.6%	14.7%	12.5%	78%
CRE	38.0% -8.3pp YoY +0.2pp QoQ	-1.5pp	39.5%	37.9%	41.4%	49%
1-4 Family	39.7% +6.9pp YoY -0.3pp QoQ	+7.1pp	32.6%	28.3%	31.3%	69%
Consumer	3.1% +0.4pp YoY -0.1pp QoQ	-1.0pp	4.1%	5.4%	5.0%	61%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	19.9%	19.7%	n/a
Leverage Ratio	10.2% +0.2pp YoY -0.2pp QoQ	-1.9pp	12.2%	12.2%	12.6%	36%
Total Capital Ratio	n/a	n/a	19.9%	20.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	34 +1 (+3.0%) YoY 0 QoQ	-25	58	228	482	33%
Assets per Employee ($)	$8.2M -1.4% YoY -1.5% QoQ	+$673K	$7.5M	$8.3M	$8.8M	70%
Branch Count	3 0 YoY 0 QoQ	-2	4	10	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% +0.1pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.4%	0.4%	40%
Nonaccrual	2.6% +0.6pp YoY +0.4pp QoQ	+1.6pp	0.9%	1.1%	1.0%	92%
Allowance Coverage	0.50x -17.6% YoY -14.1% QoQ	-23.65x	24.15x	5.62x	20.23x	10%
Net Charge-off Rate (YTD)	0.4% +0.2pp YoY -0.4pp QoQ	+0.2pp	0.1%	0.1%	0.2%	91%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	12.0% +1.8pp YoY +0.1pp QoQ	-0.2pp	12.2%	10.5%	11.6%	50%
Cost of Funds (YTD)	2.4% -0.3pp YoY 0.0pp QoQ	+0.7pp	1.7%	1.6%	1.7%	86%
Net Income ($, YTD)	$1.8M +28.8% YoY — QoQ	-$721K	$2.6M	$11.7M	$40.4M	49%

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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)

Capital Thin

risk

#149 of 661 • Bottom 22.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.23%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

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 (1 metrics)

655

Efficiency Ratio

profitability

Value: 53.61%

Peer Median: 64.48%

#655 of 2643 Top 24.7% in $100M-$1B

Top Weaknesses (5 metrics)

2537

Loan-to-Deposit Ratio

liquidity

Value: 108.14%

Peer Median: 77.95%

#2537 of 2643 Bottom 4.0% in $100M-$1B

2482

Nonperforming Asset Ratio

credit_quality

Value: 2.18%

Peer Median: 0.67%

#2482 of 2643 Bottom 6.1% in $100M-$1B

2426

Delinquency Rate

credit_quality

Value: 2.63%

Peer Median: 0.92%

#2426 of 2633 Bottom 7.9% in $100M-$1B

2291

Tier 1 Capital Ratio

capital

Value: 10.23%

Peer Median: 15.91%

#2291 of 2643 Bottom 13.4% in $100M-$1B

2144

Non-Interest-Bearing Deposit Share

funding

Value: 13.45%

Peer Median: 22.03%

#2144 of 2643 Bottom 18.9% in $100M-$1B