BlastPoint's Banking Scorecard
SouthTrust Bank, N.A.
Community
Specialty: Commercial
TX
FDIC cert 13919
George West, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
SouthTrust Bank, N.A. has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 9.60% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 9% in Community
- - Credit Quality Pressure: Bottom 10% in Community
- - Margin Compression: Bottom 23% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$593.6M
+5.4% YoY
-3.0% QoQ
|
-$797.8M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$338.8M
+4.0% YoY
-3.3% QoQ
|
-$636.7M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$521.4M
+5.0% YoY
-3.4% QoQ
|
-$643.2M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
1.23%
-18.9% YoY
-0.7% QoQ
|
+0.07% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
58% |
| Net Interest Margin ? |
4.47%
+6.6% YoY
+0.4% QoQ
|
+0.80% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
70.46%
+2.9% YoY
+2.3% QoQ
|
+7.83% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? |
0.19%
+12.1% YoY
+15.8% QoQ
|
-0.44% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
64.98%
-1.0% YoY
+0.1% QoQ
|
-18.08% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.21%
-12.0% YoY
-12.3% QoQ
|
+7.17% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.14%
+32.6% YoY
+16.8% QoQ
|
-0.36% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
19.84%
+5.2% YoY
+4.2% QoQ
|
+9.60% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.37%
-7.9% YoY
+38.5% QoQ
|
-0.37% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
32% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 7%
in Community
Why this stands out
Current:
19.84%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (3)
Credit Risk Growth
risk
#57 of 642 · Bottom 9% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Credit Quality Pressure
risk
#84 of 808 · Bottom 10% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.19%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Margin Compression
decline
#28 of 120 · Bottom 23% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.23%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Tier 1 Capital Ratio
Current: 19.84% · Tier avg: 10.24%
87
87th pctile
Loan-to-Deposit Ratio
Current: 64.98% · Tier avg: 83.06%
86
86th pctile
Net Interest Margin
Current: 4.47% · Tier avg: 3.66%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 28.21% · Tier avg: 21.05%
71
71th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
58
58th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.16%
32
32th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.74%
26
26th pctile
Efficiency Ratio
Current: 70.46% · Tier avg: 62.63%
16
16th pctile
Total Deposits
Current: $521.4M · Tier avg: $1.2B
13
13th pctile
Total Assets
Current: $593.6M · Tier avg: $1.4B
7
7th pctile
Total Loans
Current: $338.8M · Tier avg: $975.5M
Top Weaknesses
7
7th pctile
Total Loans
Current: $338.8M · Tier avg: $975.5M
13
13th pctile
Total Assets
Current: $593.6M · Tier avg: $1.4B
16
16th pctile
Total Deposits
Current: $521.4M · Tier avg: $1.2B
26
26th pctile
Efficiency Ratio
Current: 70.46% · Tier avg: 62.63%
32
32th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.74%
58
58th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.16%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
71
71th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 28.21% · Tier avg: 21.05%
86
86th pctile
Net Interest Margin
Current: 4.47% · Tier avg: 3.66%
87
87th pctile
Loan-to-Deposit Ratio
Current: 64.98% · Tier avg: 83.06%
93
93th pctile
Tier 1 Capital Ratio
Current: 19.84% · Tier avg: 10.24%