FIRST SOUTHERN BANK

MARION, IL | Large | Est. Dec. 15, 1937, midnight | FDIC #15565 | RSSD #382649 | FDIC
Latest Report: 2025-12-31

FIRST SOUTHERN BANK is aln large FDIC-insured commercial bank headquartered in MARION, IL, established in Dec. 15, 1937, midnight. As of 2025-12-31, the bank reported total assets of $1.0B and total deposits of $899M. Profitability stands at 1.74% ROA and 16.02% ROE, with a net interest margin of 4.18%. The bank's CET1 capital ratio is 8.12%. Asset quality metrics show a non-performing loan ratio of 0.81% and a Texas Ratio of 6.83%. FDIC Certificate #15565.

Assets

$1.0B

Deposits

$899M

Loans

$674M

Equity

$115M

Profitability

Return on Assets (ROA) 1.74%
Return on Equity (ROE) 16.02%
Net Interest Margin (NIM) 4.18%
Yield on Assets 5.54%
Cost of Funds 1.45%

Asset Quality

NPL Ratio 0.81%
Net Charge-Off Ratio 0.35%
Texas Ratio 6.83%
NPA Ratio 0.80%
ACL / Loans 1.01%

Capital & Liquidity

CET1 Ratio 8.12%
Tier 1 Capital 8.12%
Total Capital Ratio 8.53%
Leverage Ratio 10.71%
Loan-to-Deposit 74.97%

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