SouthernTrust Bank: how it compares with its peers
Against 141 IL banks with half to twice its assets, SouthernTrust Bank's strongest measure in Q2 2026 is efficiency ratio (53.61% vs. a 64.64% peer median). Its weakest relative measure is net interest margin (3.72% vs. 3.73%).
| Measure | SouthernTrust Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.29% | 1.19% | Middle third Ahead of 58% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.72% | 3.73% | Middle third Ahead of 49% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.61% | 64.64% | Top third Ahead of 77% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.2M | $6.6M | Top third Ahead of 77% of peers |
| Loans to deposits Net loans and leases over total deposits. | 108.14% | 75.57% | Context |
What it means for lending operations
Its efficiency ratio of 53.61% is better than the 64.64% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Town & Country Bank Midwest Quincy, IL · $279M
- First National Bank of Steeleville Steeleville, IL · $275M
- Goodfield State Bank Goodfield, IL · $286M
- Bank of Rantoul Rantoul, IL · $286M
- The Farmers and Merchants National Bank of Nashville Nashville, IL · $270M
- North Shore Trust and Savings Waukegan, IL · $270M
Questions about SouthernTrust Bank
How big is SouthernTrust Bank?
SouthernTrust Bank, established in 2005, is headquartered in Marion, IL. It reported $278M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is SouthernTrust Bank's return on assets?
1.29% annualized in Q2 2026, against a 1.19% median for 141 IL banks with half to twice its assets, ahead of 58% of them.
What is SouthernTrust Bank's efficiency ratio?
53.61% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 64.64%, and lower is better.
Is SouthernTrust Bank growing its loans?
Net loans grew 4.7% over the year to Q2 2026, while deposits grew 0.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.