SouthernTrust Bank is a state-chartered bank headquartered in Marion, Illinois, in business for about 21 years. At the end of Q2 2026 it reported $278.5M in total assets and $192.3M in deposits, with 3 offices.
Based on its Q2 2026 filing, SouthernTrust Bank scores 47/100, which we describe as below average. That is higher than only 5% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 302nd. Its strongest component is earnings (72/100; 1.29%), and its lowest is loan quality (14/100; 2.59%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 4 points (51 → 47), mostly because the loan quality component weakened by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 55 |
| Q3 2024 | 51 |
| Q4 2024 | 52 |
| Q1 2025 | 60 |
| Q2 2025 | 51 |
| Q3 2025 | 50 |
| Q4 2025 | 49 |
| Q1 2026 | 51 |
| Q2 2026 | 47 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.55% |
| Q3 2024 | 9.62% |
| Q4 2024 | 9.53% |
| Q1 2025 | 9.58% |
| Q2 2025 | 10.00% |
| Q3 2025 | 10.06% |
| Q4 2025 | 10.46% |
| Q1 2026 | 10.40% |
| Q2 2026 | 10.23% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.32% |
| Q3 2024 | 1.66% |
| Q4 2024 | 1.46% |
| Q1 2025 | 0.90% |
| Q2 2025 | 1.95% |
| Q3 2025 | 2.03% |
| Q4 2025 | 2.35% |
| Q1 2026 | 2.18% |
| Q2 2026 | 2.59% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.82% |
| Q3 2024 | 0.80% |
| Q4 2024 | 0.76% |
| Q1 2025 | 1.02% |
| Q2 2025 | 1.03% |
| Q3 2025 | 1.05% |
| Q4 2025 | 1.07% |
| Q1 2026 | 1.27% |
| Q2 2026 | 1.29% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 47 | $278.5M | 10.23% | 2.59% | 1.29% | 108.1% |
| Q1 2026 | 51 | $282.7M | 10.40% | 2.18% | 1.27% | 106.5% |
| Q4 2025 | 49 | $289.2M | 10.46% | 2.35% | 1.07% | 101.5% |
| Q3 2025 | 50 | $269.3M | 10.06% | 2.03% | 1.05% | 104.4% |
| Q2 2025 | 51 | $274.3M | 10.00% | 1.95% | 1.03% | 103.5% |
| Q1 2025 | 60 | $275.7M | 9.58% | 0.90% | 1.02% | 101.1% |
| Q4 2024 | 52 | $277.4M | 9.53% | 1.46% | 0.76% | 102.9% |
| Q3 2024 | 51 | $268.6M | 9.62% | 1.66% | 0.80% | 107.1% |
| Q2 2024 | 55 | $263.8M | 9.55% | 1.32% | 0.82% | 102.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Town & Country Bank MidwestBank Quincy, IL | 92 out of 100, Very strong | $279.3M | 14.9% | 0.15% | vs |
| First National Bank of SteelevilleBank Steeleville, IL | 90 out of 100, Very strong | $274.5M | 13.5% | 0.44% | vs |
| Goodfield State BankBank Goodfield, IL | 57 out of 100, Moderate | $285.5M | 10.6% | 2.59% | vs |
| Bank of RantoulBank Rantoul, IL | 82 out of 100, Strong | $285.8M | 10.8% | 0.00% | vs |
| The Farmers and Merchants National Bank of NashvilleBank Nashville, IL | 78 out of 100, Strong | $270.3M | 11.6% | 0.61% | vs |
| North Shore Trust and SavingsBank Waukegan, IL | 74 out of 100, Strong | $270.3M | 25.2% | 1.87% | vs |
Deposit insurance
Is my money safe at SouthernTrust Bank?
Yes. SouthernTrust Bank is an FDIC-insured institution (FDIC certificate #57897). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.7% of deposits ($35.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.23%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
SouthernTrust Bank lists 3 offices in 3 cities. Most locations:
- Goreville, IL (1)
- Marion, IL (1)
- Vienna, IL (1)
Identity & history
Profile
- Legal name
- SouthernTrust Bank
- Type
- State-chartered bank
- FDIC certificate #
- 57897
- RSSD ID
- 3316739
- Primary regulator
- FDIC
- Holding company
- South Porte Financial Inc
- Established
- May 31, 2005
- Headquarters
- 701 N Court St, Marion, IL 62959
- Website
- www.southerntrustbank.com
- Employees
- 34
Quick answers
SouthernTrust Bank: common questions
Is SouthernTrust Bank FDIC insured?
Yes. SouthernTrust Bank is an FDIC-insured institution (FDIC certificate #57897). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is SouthernTrust Bank's TellerScore?
47 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has SouthernTrust Bank ever failed?
There is no failure record for FDIC certificate #57897 in the FDIC failed bank list.
How many branches does SouthernTrust Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Marion
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Carbondale Highway Credit UnionCredit union Carbondale, IL | 90 out of 100, Very strong | $5.6M | 15.6% | 0.00% | vs |
| A.S.H. Employees Credit UnionCredit union Anna, IL | 85 out of 100, Very strong | $5.6M | 19.8% | 0.43% | vs |
| Anna State BankBank Anna, IL | 81 out of 100, Strong | $111.6M | 12.5% | 0.02% | vs |
| Du Quoin State BankBank Du Quoin, IL | 78 out of 100, Strong | $148.2M | 10.8% | 0.00% | vs |
| Siu Credit UnionCredit union Carbondale, IL | 72 out of 100, Strong | $591.3M | 11.6% | 0.90% | vs |
| Legence BankBank Eldorado, IL | 70 out of 100, Strong | $642.9M | 9.5% | 1.17% | vs |