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FIXnotes

SOUTH STB NA

BANK

WINTER HAVEN, FL · N

Total Assets
$67.2B
Total Loans
$48.9B
3.0%
-0.1

Portfolio composition

CategoryBalance% of totalNPL %Charge-off %
Real estate (all)
Commercial real estate
Construction & land
FOUNDATION Multifamily Unlock to view
FOUNDATION Non-residential CRE Unlock to view
FOUNDATION Residential real estate Unlock to view
FOUNDATION Commercial & industrial Unlock to view
FOUNDATION Consumer Unlock to view
FOUNDATION Other loans Unlock to view
FOUNDATION 1-4 family — 1st lien Unlock to view
FOUNDATION 1-4 family — junior lien Unlock to view
FOUNDATION 1-4 family — HELOC Unlock to view
FOUNDATION Multifamily Unlock to view
FOUNDATION CRE — owner-occupied Unlock to view
FOUNDATION CRE — non-owner-occupied Unlock to view
FOUNDATION Construction — 1-4 family Unlock to view
FOUNDATION Construction — other Unlock to view
FOUNDATION Commercial & industrial Unlock to view
FOUNDATION Consumer Unlock to view
FOUNDATION

20-quarter trend panels

See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.

FOUNDATION

Peer cohort comparison

Benchmark against banks in the same size and geography cohort.

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Full portfolio composition

Every loan category, NPL ratio, and charge-off rate — beyond the top 3.

Recent acquisitions

Institutions SOUTH STB NA absorbed since 2024 and the inherited portfolio's last-reported call-report figures. Why inherited portfolios matter

  • Independent BankMckinney, TX · Jan 1, 2025 · Merger
    Inherited NPL volume
    $42M
    Inherited NPL %
    0.32%
    Total loans inherited
    $13.5B
    Total assets inherited
    $17.5B
    YTD charge-offs (at close)
    $21M
    Last filing
    Dec 31, 2024