SouthernTrust Bank

BankMarion, Illinois
www.southerntrustbank.com

Total Assets

$289.2M

Total Deposits

$202.5M

Branches

3

Established

2005

TFS Health Grade

$
D

63.1 / 100

Below average financial health

How we grade

SouthernTrust Bank is a bank headquartered in Marion, Illinois, established in 2005. With $289.2M in total assets and 3 branch locations, it has a TFS Financial Health Grade of D (63.1/100).

Capital & Safety

Tier 1 Capital Ratio
10.46%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
2.35%

Profitability

Return on Assets (ROA)
1.07%(1%)
Return on Equity (ROE)
10.33%(10%)
Net Interest Margin
3.61%
Efficiency Ratio
55.25%(60%)

Lending & Liquidity

Total Loans
$208.5M
Loan-to-Deposit Ratio
101.46%
Net Charge-Off Ratio
-0.22%

Growth

Asset Growth (YoY)
+4.25%
Deposit Growth (YoY)
+3.11%
Net Income
$3.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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