Headquartered in George West, Texas, SouthTrust Bank, N.A. is a national bank with $578.8M in total assets and $504.4M in deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1934.
SouthTrust Bank, N.A. has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 101st. Problem-loan coverage contributes the most (97/100, 1.7%); funding & liquidity contributes the least (59/100, 66% loans-to-deposits, 47% uninsured).
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 rose 5 points (74 → 79), mostly because the earnings component improved by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 76 |
| Q4 2024 | 77 |
| Q1 2025 | 76 |
| Q2 2025 | 74 |
| Q3 2025 | 76 |
| Q4 2025 | 74 |
| Q1 2026 | 77 |
| Q2 2026 | 79 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.97% |
| Q3 2024 | 11.10% |
| Q4 2024 | 11.08% |
| Q1 2025 | 11.61% |
| Q2 2025 | 11.87% |
| Q3 2025 | 11.70% |
| Q4 2025 | 11.20% |
| Q1 2026 | 12.04% |
| Q2 2026 | 12.50% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.10% |
| Q3 2024 | 0.13% |
| Q4 2024 | 0.17% |
| Q1 2025 | 0.09% |
| Q2 2025 | 0.09% |
| Q3 2025 | 0.16% |
| Q4 2025 | 0.18% |
| Q1 2026 | 0.20% |
| Q2 2026 | 0.27% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.40% |
| Q3 2024 | 1.31% |
| Q4 2024 | 1.52% |
| Q1 2025 | 1.13% |
| Q2 2025 | 0.94% |
| Q3 2025 | 1.24% |
| Q4 2025 | 1.23% |
| Q1 2026 | 1.23% |
| Q2 2026 | 1.43% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $578.8M | 12.50% | 0.27% | 1.43% | 65.5% |
| Q1 2026 | 77 | $597.0M | 12.04% | 0.20% | 1.23% | 63.8% |
| Q4 2025 | 74 | $593.6M | 11.20% | 0.18% | 1.23% | 65.0% |
| Q3 2025 | 76 | $612.1M | 11.70% | 0.16% | 1.24% | 64.9% |
| Q2 2025 | 74 | $556.7M | 11.87% | 0.09% | 0.94% | 71.8% |
| Q1 2025 | 76 | $552.4M | 11.61% | 0.09% | 1.13% | 68.6% |
| Q4 2024 | 77 | $563.1M | 11.08% | 0.17% | 1.52% | 65.6% |
| Q3 2024 | 76 | $559.9M | 11.10% | 0.13% | 1.31% | 68.3% |
| Q2 2024 | 76 | $550.8M | 10.97% | 0.10% | 1.40% | 69.7% |
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 Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Karnes County National Bank of Karnes CityBank Karnes City, TX | 46 out of 100, Below average | $577.4M | 10.8% | 2.15% | vs |
| The Bank and Trust, S.S.B.Bank Del Rio, TX | 77 out of 100, Strong | $583.8M | 10.0% | 0.05% | vs |
| First National Bank of HuntsvilleBank Huntsville, TX | 90 out of 100, Very strong | $584.9M | 13.3% | 0.05% | vs |
| Trinity Bank, N.A.Bank Fort Worth, TX | 83 out of 100, Strong | $569.1M | 12.8% | 0.00% | vs |
| International Bank of CommerceBank Zapata, TX | 93 out of 100, Very strong | $567.8M | 13.6% | 0.07% | vs |
| First Commercial Bank, National AssociationBank Seguin, TX | 73 out of 100, Strong | $565.9M | 10.3% | 0.45% | vs |
Deposit insurance
Is my money safe at SouthTrust Bank, N.A.?
Yes. SouthTrust Bank, N.A. is an FDIC-insured institution (FDIC certificate #13919). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 47.0% of deposits ($236.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.50%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.65% (benchmark: 10%).
8 locations
Branches
SouthTrust Bank, N.A. lists 8 offices in 8 cities. Most locations:
- Channelview, TX (1)
- Floresville, TX (1)
- George West, TX (1)
- Houston, TX (1)
- Pleasanton, TX (1)
- San Antonio, TX (1)
- Sugar Land, TX (1)
- Three Rivers, TX (1)
HMDA 2025
Mortgage lending
In 2025, SouthTrust Bank, N.A. reported 60 home-loan applications under HMDA (LEI 2549004CKM8OCTXNKO02): 43 originated ($17,315,000 total), 7 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- SouthTrust Bank, N.A.
- Former names
- First National Bank; First National Bank in George West
- Type
- National bank
- FDIC certificate #
- 13919
- RSSD ID
- 521158
- Primary regulator
- OCC
- Holding company
- Live Oak Bancshares Corp
- Established
- February 17, 1934
- Headquarters
- 601 Guadalupe St, George West, TX 78022
- Website
- www.southtrust.com
- Employees
- 102
Quick answers
SouthTrust Bank, N.A.: common questions
Is SouthTrust Bank, N.A. FDIC insured?
Yes. SouthTrust Bank, N.A. is an FDIC-insured institution (FDIC certificate #13919). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is SouthTrust Bank, N.A.'s TellerScore?
79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has SouthTrust Bank, N.A. ever failed?
There is no failure record for FDIC certificate #13919 in the FDIC failed bank list.
How many branches does SouthTrust Bank, N.A. have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near George West
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| International Bank of CommerceBank Zapata, TX | 93 out of 100, Very strong | $567.8M | 13.6% | 0.07% | vs |
| Rally Credit UnionCredit union Corpus Christi, TX | 76 out of 100, Strong | $4.8B | 14.0% | 0.75% | vs |
| Prosperity BankBank El Campo, TX | 71 out of 100, Strong | $43.9B | 10.6% | 0.48% | vs |
| Texas Champion BankBank Corpus Christi, TX | 64 out of 100, Moderate | $436.6M | 10.5% | 0.39% | vs |
| First National Bank TexasBank Killeen, TX | 64 out of 100, Moderate | $4.6B | 9.1% | 1.23% | vs |
| Woodforest National BankBank The Woodlands, TX | 60 out of 100, Moderate | $9.0B | 9.3% | 1.93% | vs |