Side-by-side · Q2 2026 data
Legence Bank vs SouthernTrust Bank
Metric by metric
| Measure | Legence Bank | SouthernTrust Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 47 |
| Capital cushion | 45 | 52 (stronger) |
| Loan quality | 61 (stronger) | 14 |
| Earnings | 98 (stronger) | 72 |
| Funding & liquidity | 84 (stronger) | 48 |
| Problem-loan coverage | 86 (stronger) | 64 |
| Peer percentile | 43rd | 5th |
| Total assets | $642.9M | $278.5M |
| Deposits / shares | $573.6M | $192.3M |
| Capital ratio | 9.55% | 10.23% (stronger) |
| Problem loans | 1.17% (stronger) | 2.59% |
| Net charge-offs | 0.44% | 0.35% (stronger) |
| Return on assets | 1.96% (stronger) | 1.29% |
| Loans ÷ deposits | 69.0% (stronger) | 108.1% |
| Uninsured deposits | 21.2% | 18.7% (stronger) |
| Offices | 11 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.3% | — |
Legence Bank has the higher TellerScore (70 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Legence Bank leads on 4 and SouthernTrust Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Marion, IL
- Vienna, IL