Total Assets
$289M
Total balance-sheet footings
FDIC Cert #57897 · Marion, Illinois · Est. 2005
SouthernTrust Bank - FDIC Bank Health Profile
A community-scale look at SouthernTrust Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $289M
- Total assets
- B
- Health grade · Good
- 1.07%
- Return on assets
- 10.5%
- Tier 1 capital
Data updated July 2026
The verdict
SouthernTrust Bank earns a PlainBankData health grade of B (76/100), with well-capitalized at 10.46% Tier 1, profitable at 1.07% ROA, efficient (55% cost ratio).
- #2,541
- largest of 4,313 FDIC banks by assets
- 41st
- percentile by asset size, nationally
- 10.46%
- Tier 1 ratio - above the 10% well-capitalized line
- 48th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How SouthernTrust Bank's 76/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
SouthernTrust Bank's composite health score
Tier 1 Capital Ratio (10.46%) 28/40
Return on Assets (ROA) (1.07%) 20/25
Texas Ratio (14.73%) 16/20
Efficiency Ratio (55.25%) 12/15
76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$203M
Customer-funded liabilities
Net Loans
$205M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where SouthernTrust Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. SouthernTrust Bank's score of 76/100 falls in the highlighted band.
SouthernTrust Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). SouthernTrust Bank's $289M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.46% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.46%
Texas Ratio
14.73%
Equity Capital
$30M
Profitability metrics
Return on Assets (ROA)
48th percentile nationally
1.07%
Return on Equity (ROE)
10.33%
Efficiency Ratio
55.25%
What the numbers say about SouthernTrust Bank
SouthernTrust Bank is an FDIC-insured institution (Certificate #57897) headquartered in Marion, Illinois, established in 2005. It holds $289M in total assets - 2,541st of 4,313 FDIC-insured banks, $203M in customer deposits, and $205M in net loans. Capital-wise, the Tier 1 ratio sits at 10.46%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 14.73%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (76 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
SouthernTrust Bank sits 160th of 330 banks headquartered in Illinois by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$16M
Interest Income
$943K
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. SouthernTrust Bank reports a Texas Ratio of 14.73% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
14.73% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) SouthernTrust Bank (FDIC Cert #57897) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| CIBC Bank USAChicago | $64.0B | A | 1.47% |
| Busey BankChampaign | $18.1B | A | 0.92% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
Frequently asked questions
What is SouthernTrust Bank's health grade?▼
SouthernTrust Bank receives a health grade of B (76/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is SouthernTrust Bank?▼
SouthernTrust Bank holds $289M in total assets and $203M in deposits, ranking 2,541st of 4,313 FDIC-insured banks by asset size. It is headquartered in Marion, Illinois.
Is my money safe at SouthernTrust Bank?▼
Yes, deposits at SouthernTrust Bank (Certificate #57897) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is SouthernTrust Bank's Tier 1 Capital Ratio?▼
SouthernTrust Bank has a Tier 1 Capital Ratio of 10.46%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for SouthernTrust Bank?▼
SouthernTrust Bank has a Texas Ratio of 14.73%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is SouthernTrust Bank?▼
SouthernTrust Bank has an Efficiency Ratio of 55.25%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read SouthernTrust Bank's profile as a depositor or analyst.
- SouthernTrust Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare SouthernTrust Bank against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.