Total Assets
$594M
Total balance-sheet footings
FDIC Cert #13919 · George West, Texas · Est. 1934
SouthTrust Bank, N.A. - FDIC Bank Health Profile
A community-scale look at SouthTrust Bank, N.A.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $594M
- Total assets
- A
- Health grade · Excellent
- 1.23%
- Return on assets
- 19.8%
- Tier 1 capital
Data updated July 2026
The verdict
SouthTrust Bank, N.A. earns a PlainBankData health grade of A (84/100), with well-capitalized at 19.84% Tier 1, profitable at 1.23% ROA, 70% efficiency ratio.
- #1,584
- largest of 4,313 FDIC banks by assets
- 63rd
- percentile by asset size, nationally
- 19.84%
- Tier 1 ratio - above the 10% well-capitalized line
- 59th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How SouthTrust Bank, N.A.'s 84/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
SouthTrust Bank, N.A.'s composite health score
Tier 1 Capital Ratio (19.84%) 40/40
Return on Assets (ROA) (1.23%) 20/25
Texas Ratio (0.86%) 20/20
Efficiency Ratio (70.46%) 4/15
84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$521M
Customer-funded liabilities
Net Loans
$339M
Outstanding loan book
Net Income
$7M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where SouthTrust Bank, N.A. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. SouthTrust Bank, N.A.'s score of 84/100 falls in the highlighted band.
SouthTrust Bank, N.A.'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). SouthTrust Bank, N.A.'s $594M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
19.84% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
19.84%
Texas Ratio
0.86%
Equity Capital
$69M
Profitability metrics
Return on Assets (ROA)
59th percentile nationally
1.23%
Return on Equity (ROE)
10.71%
Efficiency Ratio
70.46%
What the numbers say about SouthTrust Bank, N.A.
SouthTrust Bank, N.A. is an FDIC-insured institution (Certificate #13919) headquartered in George West, Texas, established in 1934. It holds $594M in total assets - 1,584th of 4,313 FDIC-insured banks, $521M in customer deposits, and $339M in net loans. On safety, its Tier 1 capital ratio of 19.84% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.86% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (84/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Texas, SouthTrust Bank, N.A. ranks 143rd of 350 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$31M
Interest Income
$2M
Non-Interest Income
$19M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. SouthTrust Bank, N.A. reports a Texas Ratio of 0.86% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.86% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) SouthTrust Bank, N.A. (FDIC Cert #13919) - 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 Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is SouthTrust Bank, N.A.'s health grade?▼
SouthTrust Bank, N.A. receives a health grade of A (84/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is SouthTrust Bank, N.A.?▼
SouthTrust Bank, N.A. holds $594M in total assets and $521M in deposits, ranking 1,584th of 4,313 FDIC-insured banks by asset size. It is headquartered in George West, Texas.
Is my money safe at SouthTrust Bank, N.A.?▼
Yes, deposits at SouthTrust Bank, N.A. (Certificate #13919) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is SouthTrust Bank, N.A.'s Tier 1 Capital Ratio?▼
SouthTrust Bank, N.A. has a Tier 1 Capital Ratio of 19.84%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for SouthTrust Bank, N.A.?▼
SouthTrust Bank, N.A. has a Texas Ratio of 0.86%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is SouthTrust Bank, N.A.?▼
SouthTrust Bank, N.A. has an Efficiency Ratio of 70.46%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read SouthTrust Bank, N.A.'s profile as a depositor or analyst.
- SouthTrust Bank, N.A.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare SouthTrust Bank, N.A. against other Texas banks before moving funds. Texas 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.