SouthTrust Bank, N.A.

Headquarters

601 Guadalupe Street
George West, TX 78022
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 2.25% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

SouthTrust Bank, N.A. is an FDIC insured institution located in George West, TX. It was founded in 1934 and has approximately $0.42 billion in assets. Customers can open an account at one of its 6 branches.

FDIC Insured Yes
FDIC Certificate # 13919
Date Established 1934
Assets $ 418.73 million
Loans $ 197.98 million
Deposits $ 369.91 million
Capital $ 47.66 million
 

For a more detailed analysis of SouthTrust Bank, N.A.'s financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 27, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - October 27, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for SouthTrust Bank, N.A.

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

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3.746% 3.625% 1.00 $3,750 $1,141 Learn More
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2.674% 2.625% 0.63 $1,595 $1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

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Note to SouthTrust Bank, N.A.
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Branches

SouthTrust Bank, N.A. branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


SouthTrust Bank, N.A. Locations


Financial Details

SouthTrust Bank, N.A. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of SouthTrust Bank, N.A.. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
SouthTrust Bank, N.A. U.S. Bank Average
1.52% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, SouthTrust Bank, N.A. had $817,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $47,655,000 in equity and $6,264,000 in loans loss reserves. That gives it a Texas Ratio of 1.52%.

Return on Equity
SouthTrust Bank, N.A. U.S. Bank Average
4.06% 7.80%

SouthTrust Bank, N.A. has a Return on Equity of 4.06% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
SouthTrust Bank, N.A. U.S. Bank Average
11.38% 12.68%

SouthTrust Bank, N.A. has a Capitalization of 11.38% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

SouthTrust Bank, N.A. Balance Sheet Analysis

As of March 31, 2020, SouthTrust Bank, N.A. had assets of $418,733,000, loans of $197,980,000, and deposits of $369,913,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 106.98 million
Interest-bearing balances $ 9.97 million
Total securities $ 96.82 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 197.98 million
Loan loss allowance $ 6.26 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 11.56 million
     Total Assets $ 371.08 million
LIABILITIES
Total deposits $ 369.91 million
      Interest-bearing deposits $ 265.89 million
      Deposits held in domestic offices $ 369.91 million
      % insured (estimated) 63.04%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 1.17 million
      Total Liabilities $ 371.08 million
      Shareholders’ Equity $ 47.66 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 3.32 million
Total Interest Expense $ 0.35 million
Net interest income $ 2.97 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.42 million
Total non interest expense $ 2.91 million
Pre-tax Net Operating Income $ 0.47 million

Bank Loan Profile?

The top three loan types in SouthTrust Bank, N.A.’s loan portfolio are Commercial Real Estate, Construction and Development Loans, and 1-4 Family Residential Loans.

Compared to other banks in Texas, SouthTrust Bank, N.A. has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 9.56
Multifamily
Mortgages
2.75
Credit Card Loans 0.00
Consumer Auto Loans 0.37
Small Business Loans 0.00
Construction and Development Loans 16.66
Commercial Real Estate 59.03
Commercial and Industrial Loans 7.44
Farm Loans 1.49

Frequently Asked Questions About Southtrust Bank, N.a.

Branches and Savings

Is Southtrust Bank, N.a. FDIC insured?

Yes. It is covered under FDIC Certificate #13919.

Why does Southtrust Bank, N.a. pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Southtrust Bank, N.a. CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Southtrust Bank, N.a. a commercial bank?

Yes

Where are Southtrust Bank, N.a. locations?

See branch locations nearby.

Is Southtrust Bank, N.a. open on Saturdays?

Is Southtrust Bank, N.a. open on Sundays?

What time does Southtrust Bank, N.a. open?

What time does Southtrust Bank, N.a. close?

Are Southtrust Bank, N.a. ATMs Open 24/7?

Do Southtrust Bank, N.a. ATMs accept cash deposits?

Can Southtrust Bank, N.a. customers use other ATMs?

Do Southtrust Bank, N.a. branches have notaries?

Will Southtrust Bank, N.a. notarize my document?

What address for Southtrust Bank, N.a. should I put for incoming ACH transfers?

Will the Southtrust Bank, N.a. branch print checks?

Do Southtrust Bank, N.a. checks expire?

Does Southtrust Bank, N.a. require US citizenship to open account?

Can Southtrust Bank, N.a. close my account?

Does Southtrust Bank, N.a. Report to credit bureaus?

Does Southtrust Bank, N.a. Use Equifax?

What is Southtrust Bank, N.a.'s ACH Routing Number?

What is Southtrust Bank, N.a.'s SWIFT code?

Products

Does Southtrust Bank, N.a. offer mortgages?

Compare mortgage rates here.

Does Southtrust Bank, N.a. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Southtrust Bank, N.a. offer personal loans?

Compare personal loan rates here.

Does Southtrust Bank, N.a. offer student loans?

Will Southtrust Bank, N.a. cash a check?

Will Southtrust Bank, N.a. redeem a savings bond?

Does Southtrust Bank, N.a. cash savings bonds?

Will Southtrust Bank, N.a. cash money orders?

Can Southtrust Bank, N.a. issue a money order?

Does Southtrust Bank, N.a. do currency exchange?

Background on The Bank

Who owns Southtrust Bank, N.a.?

How long has Southtrust Bank, N.a. been around?

Can Southtrust Bank, N.a. transfer to other banks?

Does Southtrust Bank, N.a. have quick pay?

Does Southtrust Bank, N.a. accept rolled coins?

Will Southtrust Bank, N.a. accept loose change?

Where is Southtrust Bank, N.a. headquarters?

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