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	11/14/2025
CERT	15565
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$1.03B
Total Deposits	$871.90M
Total Liabilities	$920.02M
Total Equity Capital	$109.50M
Net Income	$4.03M
Net Loans and Leases	$651.87M
Assets Per Employee ($Millions)	$6.36M
Bank Premises and Fixed Assets	$8.83M
Cash and Balances due from Depository Institutions	$19.40M
Deposits Held in Domestic Offices	$871.90M

Return on Assets (ROA)	1.56%
Return on Equity (ROE)	15.34%
Net Interest Margin	4%
Efficiency Ratio	49.59%
Tier 1 Risk-Based Capital Ratio	0%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0.02%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	10.636%
Earning Assets to total Assets	92.45%

Total Interest Income	$12.87M
Total Noninterest Income	$1.08M
Total Interest Expense	$3.30M
Total Noninterest Expense	$5.42M
Net Interest Income	$9.57M
Pre-tax Net Operating Income	$5.17M
Provision for Credit Losses	$60.00k
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	$0
Other Real Estate Owned	$4.23M
Other borrowed funds	$23.00M
Federal Funds Sold & Reverse Repurchase Agreement	$0
Federal Funds Purchased and Repurchased Agreement	$20.21M
All Other Liabilities	$4.91M
Total Liabilities and Capital	$1.03B

Securities	$294.16M
Available-for-sale debt securities	$259.81M
Equity securities with readily determinable fair values not held for trading	$0
Held-to-maturity securities	$34.35M
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

What are the total assets of First Southern Bank?

$1.03B as of the latest filing.

How much are First Southern Bank's total deposits?

$871.90M in total deposits.

Where is First Southern Bank located?

Marion, IL.

What is the Net Interest Margin?

4.00%.

How many domestic offices does it operate?

19.

When was it established?

12/15/1937.

What is the Return on Assets (ROA)?

1.56%.

How much are total loans and leases?

$651.87M (latest filing).

What is the total interest income (latest filing)?

$12.87M.