First Southern Bank
Marion, IL
IDRSSD: 382649
Total Assets
$1.04B
Latest filing
Total Deposits
$898.79M
Latest filing
Net Interest Margin
4.15%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Southern Bank
300 Tower Square Plz
Marion, IL 62959
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/15/1937FDIC Certificate 9857
Branches (18)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| First Southern Bank (Main) | 300 Tower Square Plz | Marion, IL |
| CARRIER MILLS FACILITY | 2 South Main Street | Carrier Mills, IL |
| HERRIN SECURITY BANK BRANCH | 114 W Monroe St | Herrin, IL |
| CREAL SPRINGS FACILITY | 201 W Blue Ave | Creal Springs, IL |
| VERGENNES BRANCH | 640 Hack St | Vergennes, IL |
| MURPHYSBORO BRANCH | 900 Walnut St | Murphysboro, IL |
| COURT BRANCH | 409 N Court St | Marion, IL |
| CARBON BRANCH | 801 N Carbon St | Marion, IL |
Showing 7 of 18
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/15/1937 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62959 |
| State and County Number | 17199 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Carbondale-Marion, IL |
Operational Info
| Number of Employees | 162 |
| Domestic Offices | 19 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 07/01/2022 |
| Date of Deposit Insurance | 12/15/1937 |
| Primary Insurance Agency | DIF |
| Website | www.firstsouthernbank.net |
| Data Updated | 01/30/2026 |
| CERT | 15565 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.04B |
| Total Deposits | $898.79M |
| Total Liabilities | $926.34M |
| Total Equity Capital | $114.81M |
| Net Income | $4.49M |
| Net Loans and Leases | $667.04M |
| Assets Per Employee ($Millions) | $6.55M |
| Bank Premises and Fixed Assets | $8.85M |
| Cash and Balances due from Depository Institutions | $16.33M |
| Deposits Held in Domestic Offices | $898.79M |
Key Performance Ratios
| Return on Assets (ROA) | 1.74% |
| Return on Equity (ROE) | 16.02% |
| Net Interest Margin | 4.15% |
| Efficiency Ratio | 44.13% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.13% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.027% |
| Earning Assets to total Assets | 92.62% |
Income and Expense
| Total Interest Income | $13.20M |
| Total Noninterest Income | $1.22M |
| Total Interest Expense | $3.26M |
| Total Noninterest Expense | $5.07M |
| Net Interest Income | $9.95M |
| Pre-tax Net Operating Income | $5.77M |
| Provision for Credit Losses | $333.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $2.87M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $23.11M |
| All Other Liabilities | $4.44M |
| Total Liabilities and Capital | $1.04B |
Securities
| Securities | $294.79M |
| Available-for-sale debt securities | $264.74M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $30.05M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Southern Bank?
$1.04B as of the latest filing.
How much are First Southern Bank's total deposits?
$898.79M in total deposits.
Where is First Southern Bank located?
Marion, IL.
What is the Net Interest Margin?
4.15%.
How many domestic offices does it operate?
19.
When was it established?
12/15/1937.
What is the Return on Assets (ROA)?
1.74%.
How much are total loans and leases?
$667.04M (latest filing).
What is the total interest income (latest filing)?
$13.20M.