BlastPoint's Banking Scorecard
SouthernTrust Bank
Micro
Specialty: Commercial
IL
FDIC cert 57897
Designations: ✓ Community bank
Marion, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
SouthernTrust Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 26.93% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.75% above tier
- - Nonperforming Asset Ratio 1.40% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$289.2M
+4.2% YoY
+7.4% QoQ
|
+$71.7M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$205.5M
+1.7% YoY
+2.1% QoQ
|
+$66.3M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
76% |
| Total Deposits ? |
$202.5M
+3.1% YoY
+5.1% QoQ
|
+$18.9M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
60% |
| Return on Assets ? |
1.07%
+40.4% YoY
+1.5% QoQ
|
-0.01% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
51% |
| Net Interest Margin ? |
3.61%
+20.1% YoY
-0.2% QoQ
|
-0.24% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
55.25%
-14.9% YoY
+1.1% QoQ
|
-12.47% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? |
2.39%
+61.8% YoY
+15.6% QoQ
|
+1.75% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
101.46%
-1.4% YoY
-2.8% QoQ
|
+26.93% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.59%
-11.2% YoY
-18.9% QoQ
|
-10.80% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 15% in tier |
| Nonperforming Asset Ratio ? |
1.85%
+67.0% YoY
+7.8% QoQ
|
+1.40% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.33%
-4.3% YoY
+25.5% QoQ
|
-0.24% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
45% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
101.46%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (2)
Delinquency Rate
metric
Bottom 10%
in Micro
Why this stands out
Current:
2.39%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
1.85%
(Tier avg: 0.45%, National avg: 0.48%)
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
92
92th pctile
Loan-to-Deposit Ratio
Current: 101.46% · Tier avg: 74.53%
80
80th pctile
Efficiency Ratio
Current: 55.25% · Tier avg: 67.73%
76
76th pctile
Total Loans
Current: $205.5M · Tier avg: $139.2M
70
70th pctile
Total Assets
Current: $289.2M · Tier avg: $217.5M
60
60th pctile
Total Deposits
Current: $202.5M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.08%
45
45th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
39
39th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.85%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.59% · Tier avg: 22.39%
10
10th pctile
Delinquency Rate
Current: 2.39% · Tier avg: 0.64%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.85% · Tier avg: 0.45%
Top Weaknesses
8
8th pctile
Nonperforming Asset Ratio
Current: 1.85% · Tier avg: 0.45%
10
10th pctile
Delinquency Rate
Current: 2.39% · Tier avg: 0.64%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.59% · Tier avg: 22.39%
39
39th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.85%
45
45th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
51
51th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Total Deposits
Current: $202.5M · Tier avg: $183.7M
70
70th pctile
Total Assets
Current: $289.2M · Tier avg: $217.5M
76
76th pctile
Total Loans
Current: $205.5M · Tier avg: $139.2M
80
80th pctile
Efficiency Ratio
Current: 55.25% · Tier avg: 67.73%
92
92th pctile
Loan-to-Deposit Ratio
Current: 101.46% · Tier avg: 74.53%