First Southern Bank (Marion, IL): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
First Southern Bank is a community bank chartered in 1937, based in Marion, IL. Total assets stand at $1.0B. Profitability is strong, 1.57% ROA, paired with 14.69% ROE and a 4.16% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 10.85% exceeds the CBLR threshold. Asset quality is impaired, with nonperforming loans at 3.00%. Its footprint covers 19 branches concentrated in Illinois.
As of June 30, 2026, First Southern Bank reported a Tier 1 leverage ratio of 10.85%, a return on assets of 1.57%, a nonperforming-loan ratio of 3.00%, a Texas ratio of 22.55%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 300 Tower Square Plz, Marion, IL 62959
- 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
- December 15, 1937
- Former names
- The Bank of Marion (1977-2014)
- Offices
- 19 domestic
- Employees (FTE)
- 161
- Domestic deposits
- $904.3M
- Allowance for credit losses
- $7.7M
- Net charge-offs (YTD)
- $1.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 15, 1937
- FDIC Cert
- 15565
- Fed RSSD
- 382649
- Website
- www.firstsouthernbank.net →
- Parent Holding Company
- MIDWEST COMMUNITY BANCSHARES, INC. (RSSD 2603450)
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Southern Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Southern 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.
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%. BankRegReports band vs the 0.5–1.5% industry norm.
First Southern Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for First Southern Bank: Texas Ratio.
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. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.85% | 1.57% | 3.00% | 22.55% | 4.16% |
| Q1 2026 | 10.50% | 1.16% | 2.99% | 22.58% | 3.86% |
| Q4 2025 | 10.71% | 1.70% | 0.98% | 9.20% | 4.08% |
| Q3 2025 | 10.55% | 1.57% | 1.18% | 12.44% | 3.99% |
| Q2 2025 | 10.37% | 1.53% | 1.32% | 19.83% | 3.88% |
| Q1 2025 | 10.28% | 1.29% | 2.83% | 23.11% | 3.71% |
| Q4 2024 | 10.06% | 1.41% | 1.76% | 15.31% | 3.53% |
| Q3 2024 | 10.04% | 1.37% | 1.73% | 14.56% | 3.45% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 19 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Carbondale Main Street Branch | Carbondale , IL | 62901 | $335.0M |
| First Southern Bank (main office) | Marion , IL | 62959 | $105.2M |
| Herrin Security Bank Branch | Herrin , IL | 62948 | $91.3M |
| Carbondale West Branch | Carbondale , IL | 62901 | $68.3M |
| Carbon Branch | Marion , IL | 62959 | $55.4M |
| C.P. Burnett & Sons, Bankers Bank Branch | Eldorado , IL | 62930 | $54.5M |
| Illinois Centre Mall Branch | Marion , IL | 62959 | $37.0M |
| Carrier Mills Facility | Carrier Mills , IL | 62917 | $35.1M |
| Murphysboro Branch | Murphysboro , IL | 62966 | $31.7M |
| Airport Business Center Branch | Marion , IL | 62959 | $19.1M |
| Murphysboro Branch | Murphysboro , IL | 62966 | $19.0M |
| Royalton Facility | Royalton , IL | 62983 | $13.3M |
| Grand Tower Branch | Grand Tower , IL | 62942 | $10.6M |
| Creal Springs Facility | Creal Springs , IL | 62922 | $10.2M |
| Carterville Branch | Carterville , IL | 62918 | $9.7M |
| Carbondale Drive Thru Branch | Carbondale , IL | 62901 | $6.1M |
| Court Branch | Marion , IL | 62959 | $1.9M |
| Vergennes Branch | Vergennes , IL | 62994 | $543K |
| Marion Mobile Branch | Marion , IL | 62959 | $362K |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2022 | Structure Change | Acquired The Bank of Carbondale Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 6, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 6, 2014 | Structure Change | Acquired Herrin Security Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 18, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 16, 2014 | Structure Change | Acquired First Southern Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2006 | Structure Change | Acquired C. P. Burnett & Sons, Bankers Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 25, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 25, 2005 | Structure Change | Acquired The Egyptian State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
What the public regulatory sources show for First Southern Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in IL, rank 69 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 259 applications, 187 loans originated, $30.8M originated, across 7 states
- Period: Calendar year 2024. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Southern Bank
What are First Southern Bank's total assets?
As of the Q2 2026 filing, First Southern Bank reported total assets of $1.04 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Southern Bank headquartered?
First Southern Bank is headquartered in Marion, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Southern Bank founded?
First Southern Bank was established in 1937, per the FDIC institution directory.
Is First Southern Bank FDIC-insured?
Yes. First Southern Bank is an FDIC-insured commercial bank (FDIC Certificate #15565). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Southern Bank?
First Southern Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does First Southern Bank operate?
First Southern Bank operates 19 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Southern Bank's Texas Ratio?
First Southern Bank's Texas Ratio is 22.55% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First Southern Bank previously called?
The charter now named First Southern Bank has also operated as The Bank of Marion (1977-2014), per FDIC structure-change records.
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