SOUTHERN ILLINOIS BANK

JOHNSTON CITY, IL | Small | Est. Sept. 10, 1999, midnight | FDIC #35229 | RSSD #2847085 | FDIC
Latest Report: 2025-12-31

SOUTHERN ILLINOIS BANK is asn small FDIC-insured commercial bank headquartered in JOHNSTON CITY, IL, established in Sept. 10, 1999, midnight. As of 2025-12-31, the bank reported total assets of $138M and total deposits of $116M. Profitability stands at 1.19% ROA and 8.12% ROE, with a net interest margin of 3.76%. The bank's CET1 capital ratio is 15.53%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 4.70% and a Texas Ratio of 19.59%. FDIC Certificate #35229.

Assets

$138M

Deposits

$116M

Loans

$81M

Equity

$21M

Profitability

Return on Assets (ROA) 1.19%
Return on Equity (ROE) 8.12%
Net Interest Margin (NIM) 3.76%
Yield on Assets 5.15%
Cost of Funds 1.51%

Asset Quality

NPL Ratio 4.70%
Net Charge-Off Ratio 0.18%
Texas Ratio 19.59%
NPA Ratio 3.17%
ACL / Loans 1.15%

Capital & Liquidity

CET1 Ratio 15.53%
Tier 1 Capital 15.53%
Total Capital Ratio 16.31%
Leverage Ratio 16.90%
Loan-to-Deposit 70.27%

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