| Metric | SouthernTrust Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +4.4% | -2.8 pts |
| Deposit growth (YoY) | +0.2% | +4.0% | -3.8 pts |
| Loan growth (YoY) | +4.7% | +5.6% | -0.9 pts |
| ROA | 1.29% | 1.24% | +0.1 pts |
| ROE | 12.0% | 11.9% | +0.1 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $278.5M | $192.3M | $208.0M | $30.6M | $1.8M | 1.29% | 3.72% | 2.18% |
| Q1 2026 | $282.7M | $196.0M | $208.8M | $31.0M | $906K | 1.27% | 3.66% | 1.87% |
| Q4 2025 | $289.2M | $202.5M | $205.5M | $30.2M | $3.0M | 1.07% | 3.61% | 1.85% |
| Q3 2025 | $269.3M | $192.7M | $201.2M | $29.4M | $2.2M | 1.05% | 3.62% | 1.72% |
| Q2 2025 | $274.3M | $192.0M | $198.6M | $28.4M | $1.4M | 1.03% | 3.62% | 1.77% |
| Q1 2025 | $275.7M | $200.2M | $202.4M | $28.0M | $704K | 1.02% | 3.39% | 0.98% |
| Q4 2024 | $277.4M | $196.4M | $202.1M | $27.6M | $2.1M | 0.76% | 3.01% | 1.11% |
| Q3 2024 | $268.6M | $187.6M | $200.9M | $27.6M | $1.6M | 0.80% | 2.97% | 1.31% |
Loan mix (Q2 2026): real estate $170.2M · commercial $32.4M · consumer $6.4M · securities $29.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | SouthernTrust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 1.24% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 11.9% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.6% | 62.9% | 24th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | SouthernTrust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | SouthernTrust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | SouthernTrust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | SouthernTrust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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