Southtrust Bank N A (FDIC #13919): Bank Stress & Real-Estate Credit Exposure

Southtrust Bank N A (FDIC Cert #13919): bank stress 54/100, moderate, STABLE over 7 days; parent LIVE OAK BANCSHARES CORP.

Southtrust Bank N A (#13919) lends in 6 counties across 1 state; Southtrust Bank N A (#13919) reaches 271 ZIP codes: Texas 6 counties, 271 ZIPs.

Southtrust Bank N A (#13919) largest markets: Harris County, TX (286 branches, 143 ZIPs) (#13919), Bexar County, TX (78 branches, 78 ZIPs) (#13919), Fort Bend County, TX (35 branches, 35 ZIPs) (#13919), Atascosa County, TX (16 branches, 16 ZIPs) (#13919), Wilson County, TX (12 branches, 12 ZIPs) (#13919), Live Oak County, TX (20 branches, 10 ZIPs) (#13919).

Southtrust Bank N A (#13919) reports $578.8 million in total assets; Southtrust Bank N A (#13919) equity $70.5 million (12.2% of Southtrust Bank N A (#13919) assets); Southtrust Bank N A (#13919) domestic deposits $504.4 million; Southtrust Bank N A (#13919) net income $4.2 million; Southtrust Bank N A (#13919) return on assets 1.43%; Southtrust Bank N A (#13919) return on equity 12.16%; Southtrust Bank N A (#13919) net interest income $11.7 million; Southtrust Bank N A (#13919) call report June 30, 2026.

Southtrust Bank N A (#13919) noncurrent real-estate loans: none reported; Southtrust Bank N A (#13919) net charge-offs on real estate 0.29%; Southtrust Bank N A (#13919) residential charge-offs 0.14%.

Southtrust Bank N A (#13919) net interest margin 4.24% against an eight-quarter Southtrust Bank N A (#13919) average of 4.30% (Southtrust Bank N A (#13919) compression 0.06 points); Southtrust Bank N A (#13919) non-residential real estate 13.5% of equity; Southtrust Bank N A (#13919) rate-exposure score 40/100, Southtrust Bank N A (#13919) fixed-rate trap 40/100; Southtrust Bank N A (#13919) risk type credit driven; Southtrust Bank N A (#13919) rate regime rates elevated, Southtrust Bank N A (#13919) snapshot October 19, 2026.

Southtrust Bank N A (#13919) stress score moved from 58.9 on June 22, 2026 to 54.2 on October 19, 2026; Southtrust Bank N A (#13919) ranged 54.2 to 58.9 over 116 snapshots.

Southtrust Bank N A (#13919) alerts: 6 counties; top Southtrust Bank N A (#13919) alert scores: Houston County, TX 23 (low); Floresville County, TX 18 (low); Pleasanton County, TX 18 (low); San Antonio County, TX 18 (low); Sugar Land County, TX 18 (low).