Southern Illinois Bank
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Data as of · sourced from FFIEC call reports. How we update
Southern Illinois Bank is an FDIC-insured commercial bank headquartered in Johnston City, IL, established in 1999 (FDIC certificate 35229), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $136.5M, down 11.7% from Q2 2025, the 236th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 17.72% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 35229
- Headquarters
- Johnston City, IL
- Established
- 1999
- Total assets, Q2 2026
- $136.5M
- Assets vs Q2 2025
- -11.7%
- Tier 1 leverage ratio, Q2 2026
- 17.72%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 081225901
- Latest call report
- Q2 2026, FFIEC 051 · Southern Illinois Bank call report
- Holding company
- SOUTHERN ILLINOIS BANCSHARES, INC
- Asset rank in state
- 236th of 319 in Illinois
Southern Illinois Bank carries far more capital than most banks of its size. Its balance sheet stood at $136 million at June 30, 2026, down 11.7% from a year earlier; it is based in Johnston City, Illinois. It funds 17.72% of its assets with Tier 1 capital, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it carries problem assets equal to 17.8% of the capital and reserves that would absorb them, 6.8 times the median of 2.6% for banks its size.
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 4.75% of loans, down from 5.32% a year earlier. The balance sheet shrank over the year: over the year loans fell 16.7% and deposits fell 11.3%. Profitability lags: it returns 7.1% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.5%).
As of June 30, 2026, Southern Illinois Bank reported a return on assets of 1.10%, a nonperforming-loan ratio of 4.75% and a Texas ratio of 17.85%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Southern Illinois Bank is the 236th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.3% to $136.5M, loans fell 0.3% and deposits fell 1.9%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 36.6% of total loans, ahead of 1-4 family residential loans at 18.2%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in IL; its West Frankfort office books 56% of its branch deposits. By the capital ratios in its Q2 2026 call report, Southern Illinois Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1012 W Broadway Blvd, Johnston City, IL 62951
- County
- Williamson
- Metro Area
- Marion-Herrin, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 10, 1999
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $114.1M
- Allowance for credit losses
- $983K
- Net charge-offs (YTD)
- $0
- Average total assets
- $138.4M
- Average total loans
- $73.8M
- Average interest-bearing deposits
- $82.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 10, 1999
- FDIC Cert
- 35229
- Fed RSSD
- 2847085
- Parent Holding Company
- SOUTHERN ILLINOIS BANCSHARES, INC (RSSD 6071954)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Southern Illinois Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Southern Illinois Bank's total assets ranged from $136.5M (Q2 2026) to $157.3M (Q4 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$136.5M total assets against $154.6M; $114.8M total liabilities against $134.9M.
$72.5M net loans and leases against $87.4M; $114.1M total deposits against $128.6M.
$36.2M securities against $38.2M; $21.1M cash and balances due against $21.9M.
$1.6M total interest income against $2.0M; $354K total interest expense against $642K.
$1.2M net interest income against $1.4M.
$204K total noninterest income against $213K; $836K total noninterest expense against $940K.
$24K provision for credit losses against $23K.
$380K net income against $468K.
1.10% return on assets against 1.18%; 3.90% net interest margin against 3.86%.
17.72% tier 1 leverage ratio against 14.80%.
Inside the full Southern Illinois Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Southern Illinois Bank rankings
Its closest position to the top of a national ranking is 226 of 3,640, for Texas Ratio; its furthest is 3,400 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.85% (Q3 2025) to 1.20% (Q4 2025) and its net interest margin ran from 3.53% (Q3 2025) to 3.90% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.72% | 1.10% | 4.75% | 17.85% | 3.90% |
| Q1 2026 | 17.77% | 1.16% | 5.17% | 19.53% | 3.80% |
| Q4 2025 | 16.90% | 1.20% | 4.70% | 19.59% | 3.88% |
| Q3 2025 | 15.69% | 0.85% | 4.47% | 20.37% | 3.53% |
| Q2 2025 | 14.80% | 1.18% | 5.32% | 25.79% | 3.86% |
| Q1 2025 | 14.56% | 0.99% | 0.70% | 3.87% | 3.57% |
| Q4 2024 | 14.63% | 1.10% | 0.89% | 4.81% | 3.72% |
| Q3 2024 | 15.10% | 0.98% | 0.37% | 2.06% | 3.67% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| West Frankfort Branch | West Frankfort , IL | 62896 | $63.6M |
| Southern Illinois Bank (main office) | Johnston City , IL | 62951 | $22.1M |
| Zeigler Branch | Zeigler , IL | 62999 | $12.5M |
| Thompsonville Branch | Thompsonville , IL | 62890 | $12.0M |
| Herrin Branch | Herrin , IL | 62948 | $4.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 283 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $351K approved, $351K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Southern Illinois Bank
What are Southern Illinois Bank's total assets?
As of the Q2 2026 filing, Southern Illinois Bank reported total assets of $136.5 million in its FFIEC call report.
Where is Southern Illinois Bank headquartered?
It is headquartered in Johnston City, IL, United States.
When was Southern Illinois Bank founded?
It was established in 1999, per the FDIC institution directory.
Is Southern Illinois Bank FDIC-insured?
Yes. It 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.
How many branches does Southern Illinois Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Southern Illinois Bank's Texas Ratio?
Its Texas Ratio is 17.85% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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