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First Southern Bank
Marion, IL · FDIC Certificate #15565 · Chartered 12/1
Total assets
$1.04B
Total deposits
$904.25M
Total equity
$112.41M
Net loans
$647.94M
Branches (offices)
19
Net income (YTD)
$7.15M
Rank: #1,011 of 4,213 U.S. banks by assets · #53 of 322 in Illinois. Assets changed -0.2% and deposits 2.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.37% |
| Return on equity | 12.69% |
| Net interest margin (YTD) | 4.05% |
| Equity to assets | 10.79% |
| Tier 1 leverage ratio | 10.85% |
| Uninsured deposits (share of deposits) | 34.6% |
| Noncurrent loans (share of loans) | 3.00% |
| Net charge-offs (share of loans) | 0.44% |
| Loans to deposits | 71.7% |
| Real estate loans (share of loans) | 70.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $454.43M | 70.1% | |
| Commercial & industrial | $132.24M | 20.4% | |
| Consumer / individual | $35.50M | 5.5% | |
| Construction & development | $46.11M | 7.1% | |
| Agricultural | $181.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $815.20M | $660.99M | $5.12M | $60.45M |
| Jun 2023 | $1.01B | $858.98M | $6.26M | $88.02M |
| Jun 2024 | $1.01B | $889.30M | $6.16M | $94.83M |
| Jun 2025 | $1.04B | $884.22M | $7.14M | $100.69M |
| Jun 2026 | $1.04B | $904.25M | $7.15M | $112.41M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $904.25M | 19 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $904.25M.
Similar-sized banks
Bnc National Bank ($1.05B) · Superior National Bank ($1.04B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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