BanksFIRST SOUTHERN BANK

FIRST SOUTHERN BANK

MARION, ILLargeEst. Dec. 15, 1937, midnightFDIC #15565RSSD #382649FDIC
Latest · 2025-12-31

FIRST SOUTHERN BANK is an 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%. CET1 capital ratio: 9.40%. NPL ratio: 0.81% · Texas Ratio: 6.83%. Operates 19 domestic branches.

Assets
$1.0B
Deposits
$899M
Loans
$674M
Equity
$115M

Profitability

Return on Assets (ROA)1.74%
Return on Equity (ROE)16.02%
Net Interest Margin4.18%
Yield on Assets5.54%
Cost of Funds1.45%

Asset Quality

NPL Ratio0.81%
Net Charge-Off Ratio0.35%
Texas Ratio6.83%
NPA Ratio0.80%
ACL / Loans1.01%

Capital & Liquidity

CET1 Ratio9.40%
Tier 1 Capital9.40%
Total Capital Ratio9.87%
Leverage Ratio10.71%
Loan-to-Deposit74.97%

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