SOUTHERN ILLINOIS BANK
SOUTHERN ILLINOIS BANK is an FDIC-insured commercial bank headquartered in JOHNSTON CITY, IL, established in 1999. As of , 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 3.74%. CET1 capital ratio: 15.53%, well above regulatory minimums. NPL ratio: 4.70% · Texas Ratio: 19.59%. Operates 5 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Southern Illinois Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 15.53% | 1.19% | 4.70% | 19.59% | 3.74% |
| 2025-09-30 | 13.94% | 0.85% | 4.47% | 20.37% | 3.40% |
| 2025-06-30 | 12.68% | 1.20% | 0.05% | 3.10% | 3.73% |
| 2025-03-31 | 11.99% | 0.99% | 0.70% | 3.87% | 3.45% |
| 2024-12-31 | 11.65% | 1.10% | 0.36% | 2.15% | 3.60% |
| 2024-09-30 | 12.49% | 0.98% | 0.37% | 2.06% | 3.53% |
| 2024-06-30 | 11.93% | 1.11% | 0.05% | 0.65% | 3.57% |
| 2024-03-31 | 11.58% | 1.08% | 0.04% | 0.62% | 3.58% |
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Frequently asked about SOUTHERN ILLINOIS BANK
What are Southern Illinois Bank's total assets?
As of the Q4 2025 filing, Southern Illinois Bank reported total assets of $137.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Southern Illinois Bank headquartered?
Southern Illinois Bank is headquartered in JOHNSTON CITY, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Southern Illinois Bank founded?
Southern Illinois Bank was established in 1999, per the FDIC institution directory.
Is Southern Illinois Bank FDIC-insured?
Yes. Southern Illinois Bank is an FDIC-insured commercial bank (FDIC Certificate #35229). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Southern Illinois Bank?
Southern Illinois Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Southern Illinois Bank's CET1 capital ratio?
Southern Illinois Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.53% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Southern Illinois Bank operate?
Southern Illinois Bank operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Southern Illinois Bank's Texas Ratio?
Southern Illinois Bank's Texas Ratio is 19.59% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.