| Metric | SouthTrust Bank, N.A. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +4.9% | -0.9 pts |
| Deposit growth (YoY) | +3.5% | +4.3% | -0.8 pts |
| Loan growth (YoY) | -5.6% | +5.3% | -10.9 pts |
| ROA | 1.43% | 1.28% | +0.2 pts |
| ROE | 12.2% | 12.4% | -0.3 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $578.8M | $504.4M | $330.4M | $70.5M | $4.2M | 1.43% | 4.24% | 0.22% |
| Q1 2026 | $597.0M | $524.3M | $334.5M | $69.1M | $1.8M | 1.23% | 4.20% | 0.15% |
| Q4 2025 | $593.6M | $521.4M | $338.8M | $68.7M | $7.1M | 1.23% | 4.47% | 0.14% |
| Q3 2025 | $612.1M | $539.6M | $350.4M | $67.9M | $5.3M | 1.24% | 4.45% | 0.12% |
| Q2 2025 | $556.7M | $487.2M | $349.9M | $65.7M | $2.6M | 0.94% | 4.41% | 0.10% |
| Q1 2025 | $552.4M | $484.0M | $332.1M | $64.9M | $1.6M | 1.13% | 4.30% | 0.10% |
| Q4 2024 | $563.1M | $496.4M | $325.9M | $63.3M | $8.5M | 1.52% | 4.19% | 0.11% |
| Q3 2024 | $559.9M | $475.9M | $324.9M | $62.7M | $5.5M | 1.31% | 4.11% | 0.07% |
Loan mix (Q2 2026): real estate $307.4M · commercial $21.5M · consumer $4.1M · securities $162.1M
| Ratio | SouthTrust Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 1.28% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 12.4% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.1% | 61.2% | 74th |
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 | SouthTrust Bank, N.A. | 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 | SouthTrust Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | SouthTrust Bank, N.A. | 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 | SouthTrust Bank, N.A. | 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 | SouthTrust Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
7 branches in 5 counties across 1 state (+0 vs 2024) · $487.2M branch deposits. Biggest market: Live Oak, TX, ranked 1st with 50.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Live Oak, TX | 2 | $191.4M | 50.44% | 1st |
| Harris, TX | 2 | $140.3M | 0.05% | 81st |
| Wilson, TX | 1 | $103.9M | 10.76% | 5th |
| 2 more counties with Pro → | ||||
Texas: 237th with 0.03% · San Antonio-New Braunfels metro: 42nd, 0.08% · Houston-Pasadena-The Woodlands metro: 105th, 0.04% ·
Branch count: 2022 7 · 2023 7 · 2024 7 · 2025 7