# SOUTHERNTRUST BANK
MARION, IL · FDIC certificate 57897 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $278.5M | |
| Deposits | $192.3M | |
| Loans and leases | $210.7M | |
| Total equity | $30.6M | |
| Loans / deposits | 108.14% (p96 of band) | 73.59% |
| Liquid assets / assets | 19.70% (p21 of band) | |
| Uninsured deposits / deposits | 18.67% (p46 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 19.55% (p95 of band) | |
| FHLB advances / assets | 19.55% | |
| Tier 1 leverage | 10.23% (p28 of band) | 11.76% |
| Unrealized securities loss / equity | -1.00% (p77 of band) | -6.57% |
| AOCI / equity | -0.05% (p67 of band) | |
| ROA (annualized) | 1.29% (p58 of band) | 1.17% |
| Net interest margin | 3.72% (p39 of band) | 3.93% |
| Efficiency ratio | 53.61% (p20 of band) | |
| Noncurrent loans | 2.59% (p90 of band) | 0.36% |
| Net charge-offs (annualized) | 0.26% (p94 of band) | |
| Reserve coverage of noncurrent | 50.27% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 41.24% (p74 of band) | |
| Auto loans | $4.0M (1.88% of loans; DQ 2.30%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.2% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | charge-offs p90 |
| 2011-09 | 1 |  | reserve under noncurrent |
| 2011-12 | 1 | reserve under noncurrent | losing money |
| 2012-03 | 3 | deposits shrinking, assets shrinking |  |
| 2012-06 | 4 | uninsured deposits leaving |  |
| 2012-09 | 3 |  | uninsured deposits leaving |
| 2012-12 | 3 |  |  |
| 2013-03 | 5 | losing money, expense ratio p90 |  |
| 2013-06 | 3 |  | deposits shrinking, assets shrinking |
| 2013-09 | 1 |  | losing money, expense ratio p90 |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 0 |  | reserve under noncurrent, capital falling |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 3 | capital falling, noncurrent p90 |  |
| 2015-03 | 3 | charge-offs p90 | capital falling |
| 2015-06 | 1 |  | reserve under noncurrent, noncurrent p90 |
| 2015-09 | 2 | reserve under noncurrent, deposits shrinking | charge-offs p90 |
| 2015-12 | 1 |  | deposits shrinking |
| 2016-03 | 6 | capital falling, losing money, expense ratio p90, noncurrent p90, charge-offs p90 |  |
| 2016-06 | 5 | uninsured deposits leaving | capital falling, expense ratio p90 |
| 2016-09 | 4 |  | uninsured deposits leaving |
| 2016-12 | 3 |  | losing money |
| 2017-03 | 4 | capital falling |  |
| 2017-06 | 3 |  | charge-offs p90 |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | uninsured deposits leaving |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | uninsured deposits leaving |
| 2019-06 | 2 | capital falling | noncurrent p90 |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 2 | noncurrent p90 |  |
| 2020-03 | 1 |  | noncurrent p90 |
| 2020-06 | 2 | noncurrent p90 |  |
| 2020-09 | 3 | loans exceed deposits, wholesale funding >15% | noncurrent p90 |
| 2020-12 | 1 |  | loans exceed deposits, wholesale funding >15% |
| 2021-03 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | wholesale funding >15% |
| 2022-06 | 3 | capital falling, assets shrinking | loans exceed deposits |
| 2022-09 | 4 | loans exceed deposits, wholesale funding >15% | assets shrinking |
| 2022-12 | 6 | noncurrent p90, charge-offs p90 |  |
| 2023-03 | 4 |  | noncurrent p90, charge-offs p90 |
| 2023-06 | 3 |  | reserve under noncurrent |
| 2023-09 | 2 |  | capital falling |
| 2023-12 | 1 |  | loans exceed deposits |
| 2024-03 | 2 | loans exceed deposits |  |
| 2024-06 | 3 | reserve under noncurrent |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 | charge-offs p90 | reserve under noncurrent |
| 2025-06 | 3 | reserve under noncurrent | charge-offs p90 |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | charge-offs p90 |  |
| 2026-06 | 6 | capital falling, noncurrent p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-06-21 [Southern Illinois bank president admits to falsifying records - WPSD Local 6](https://news.google.com/rss/articles/CBMi7gFBVV95cUxOZEVrNUxla0V6eFpCS1Y3SmRpYkx3X3pKSGE3a3B4S1M2dTNlMEdacHA4MmxyNnpPUVFNTGtzVnlKOUkwa0lRT2hRcmxqdFJ6NzFmR1FUVzAxMVg0NnZzTXZvbTNaU0ZudjR5Sl8yUGNlSldoMzhnek5vWXAtS0pHeXpoSVh6d2l5dm8xaXA2ejdPY2N4cVhuTFBsYmVicHU3aVd4MGQ4T2pYYkdscFNrMTZTMl93N1lhRVQwUXJJQW9OTl9NMFRIakNxVkpUN0ZXd1VQS1lNMDNQVERQVENmYUlmcDduRnkzWUxRdW13?oc=5) · WPSD Local 6
- 2020-06-20 [SouthernTrust bank merges with South Porte; will be headquartered in Marion - Southern Illinoisan](https://news.google.com/rss/articles/CBMi9gFBVV95cUxOampyNEhUS2hBNmktTllqNm95NWt1VElTLW85WjgxM3JWYkJQdG1XTVZIZUV2WDlSYWtZTDhJS0JKanJzOW5TaVpTU2RGMVJHdWN6M0FRb01xWEFhT2ZvUk9mM2g0UDRtVHdQc0x3ZHBMeXJYUmtpdXZldnFGb3RvUTlpcUczRXViU0R6WGtxYS1Rcy0zSGpMa1VpYTdmaFNrUkRDdEc3VmZlekR2WlZYa1RXbHRPaGl5ZW9zUWE2cHBNQ1NsRkMyRU1ON3ctUWhZUENfQktyUW84OTdlbTRQOENCUVVOeXlqdG9SaU5Md3lnbHhYVHc?oc=5) · Southern Illinoisan
- 2024-06-21 [SouthernTrust Bank president guilty of aiding fraud - The Edwardsville Intelligencer](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPeU0tODZrWjJrc3BKRDlMN3pKcks0Z211WjRjQmx5TUxGeWF1N0xRamJGRHVoU3pMSUI5WTJaSFlzVXRDSldFUVQ4V1MxZkNtRDhTQnhCd0dqazNmY1RJSndxRnFXUTdVR1RQTHYyNm1JMXdGNDdaQml5blZEdWRFYTYtWEJfTGpacnlJ?oc=5) · The Edwardsville Intelligencer
- 2024-06-20 [Williamson County Circuit Clerk forced to resign as a pretrial diversion - KFVS12](https://news.google.com/rss/articles/CBMioAFBVV95cUxQaXNXRkpKc0NseVgyVHFNc3oweWl6ZllULVpGWENwbmRLejI4ZGM4eXpoQllaM3dGRlR0dm5oajZNMmhBaEFyR1NYeVFHOEZGUzhocXdwakh2d3NyVU5hOG1tMW5yX2NrcU8wR0lTLUdQMGktc1lHM0pJSHM3Ri1iSHJzVXhiTnFmV0l2d0daU1FCR2kwNGtSSU1EaUo1aTRi0gG0AUFVX3lxTE5xR1dIeE5ickZCQlJGMWd5LWVBbUxBcEFTeER0aV96dTM4Q0Z5ZW5YTF8zVEIzR3J0VFFobXpKTjY2c1JhdDA1NHlqdjJWN0F3R3JCa09EcXlNanBJeklETWtGOEdXaWZkVWRyay05V0FTTGR1eXdyWlF2eVFWTVFlRWhpVUgtcnQtRTk2aWZuQ19jUjN1UUp4SHdYSVlnSUI2cWhLSk13MEEyanBBeE1aY2tVLQ?oc=5) · KFVS12
- 2024-06-24 [Williamson County Circuit Clerk responds to required departure - kbsi23.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxOYV9mUF9Eb252TmN2WGtiU0c2WFY0UHRYQU14U3FDNEdmd1ZhVlBZSVF5WGs3NjNkNkdTdHJpNmhHUzJmcE1pR0o0c1d3Q3BxZ0pFVktMOW1udTQ4N0xOT3RQdGtCb2NybXJoT1pQYURiN21uVjNGSjhsTUVveXJQa24tdEZWaWd5VUNVM0JWNVpKX2hjX1E?oc=5) · kbsi23.com
- 2026-09-03 [Illinois Review Board Recommends Suspension for Attorrney Brandon John Zanotti Over False Bank Loan Documents - ALABnews -](https://news.google.com/rss/articles/CBMiywFBVV95cUxNbUtXMjN5QldGNlRhQXo5VGJIbG9TVlQ5bE56eHdZR3Bqb1JReGZVSHdMdUdZWGJsMXlPOFdUTmhvTWl2d0JQakh0WUxoMzZmYTZQdmVZZ0RWX0lvSzAwZVhCc2pWdHkzMWhHQ3VpMW10WWpNNTFEWlVTU0E1RU1ZTVpvdl9TWUFvcnMtWk9yQUhkenU3eGRiUW5mUkRIQkV4aW1NRTFtcnJSSlU2WldBYkNldVZXUU10VHlINmgzQk44ak90c3VwZWJlbw?oc=5) · ALABnews -
- 2024-06-24 [WILLIAMSON COUNTY CIRCUIT CLERK APOLOGIZES FOR NOT BEING TRUTHFUL ABOUT RESIGNATION - WMIX](https://news.google.com/rss/articles/CBMiugFBVV95cUxONW5PNGtJSmZHTEtoMlF2RmY1aFpjdDBTdVI1T2I2emxKQkJtVXJFZk8xczdqQmJyVlhQVHhpRXFoM1FFdU4wRGxEMnJpTXBfZHRkQmlOelRiQm9uUGk1MXJQWU9pUkxGbHNyQm41OHJjeXZ5R3gzd045VEFDVlV5ejdRYUpGTEZjcXZyS0lvMmx5VWp6a2NUaHFUWUpiV01palBkbHZmSTFCd2Jpa1Vka0pYbF93NnFQa2c?oc=5) · WMIX

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57897 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/41.json (key "57897", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide