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Southtrust Bank, N.A.
George West, TX · FDIC Certificate #13919 · Chartered 02/1
Total assets
$578.80M
Total deposits
$504.40M
Total equity
$70.52M
Net loans
$330.43M
Branches (offices)
8
Net income (YTD)
$4.22M
Rank: #1,602 of 4,213 U.S. banks by assets · #145 of 346 in Texas. Assets changed 4.0% and deposits 3.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.43% |
| Return on equity | 12.16% |
| Net interest margin (YTD) | 4.24% |
| Equity to assets | 12.18% |
| Tier 1 leverage ratio | 12.50% |
| Uninsured deposits (share of deposits) | 47.0% |
| Noncurrent loans (share of loans) | 0.27% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 65.5% |
| Real estate loans (share of loans) | 93.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $307.43M | 93.0% | |
| Commercial & industrial | $21.51M | 6.5% | |
| Consumer / individual | $4.11M | 1.2% | |
| Construction & development | $20.62M | 6.2% | |
| Agricultural | $1.81M | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $542.22M | $492.87M | $3.25M | $47.28M |
| Jun 2023 | $521.03M | $438.57M | $3.28M | $53.62M |
| Jun 2024 | $550.85M | $465.04M | $3.93M | $60.01M |
| Jun 2025 | $556.74M | $487.23M | $2.63M | $65.71M |
| Jun 2026 | $578.80M | $504.40M | $4.22M | $70.52M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $504.40M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $504.40M.
Similar-sized banks
Salem Co-Operative Bank ($580.00M) · Citizens Bank And Trust Company ($577.55M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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