Southern Illinois Bank
Johnston City, IL
IDRSSD: 2847085
Total Assets
$137.86M
Latest filing
Total Deposits
$115.88M
Latest filing
Net Interest Margin
3.80%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Southern Illinois Bank
1012 W Broadway Blvd
Johnston City, IL 62951
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/10/1999FDIC Certificate 76785
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Southern Illinois Bank (Main) | 1012 W Broadway Blvd | Johnston City, IL |
| WEST FRANKFORT BRANCH | 404 S Logan St | West Frankfort, IL |
| ZEIGLER BRANCH | 202 Christopher Rd | Zeigler, IL |
| THOMPSONVILLE BRANCH | 21394 Shawneetown Rd | Thompsonville, IL |
| HERRIN BRANCH | 1413 S Park Ave | Herrin, IL |
Showing 4 of 4
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 | 09/10/1999 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62951 |
| 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 | 25 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 09/10/1999 |
| Primary Insurance Agency | DIF |
| Website | http://www.southernillinoisbank.com |
| Data Updated | 01/30/2026 |
| CERT | 35229 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $137.86M |
| Total Deposits | $115.88M |
| Total Liabilities | $116.45M |
| Total Equity Capital | $21.41M |
| Net Income | $427.00k |
| Net Loans and Leases | $80.49M |
| Assets Per Employee ($Millions) | $5.51M |
| Bank Premises and Fixed Assets | $1.81M |
| Cash and Balances due from Depository Institutions | $5.80M |
| Deposits Held in Domestic Offices | $115.88M |
Key Performance Ratios
| Return on Assets (ROA) | 1.19% |
| Return on Equity (ROE) | 8.12% |
| Net Interest Margin | 3.8% |
| Efficiency Ratio | 70.94% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.529% |
| Earning Assets to total Assets | 92% |
Income and Expense
| Total Interest Income | $1.70M |
| Total Noninterest Income | $199.00k |
| Total Interest Expense | $459.00k |
| Total Noninterest Expense | $1.02M |
| Net Interest Income | $1.24M |
| Pre-tax Net Operating Income | $393.00k |
| Provision for Credit Losses | $24.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $551.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $8.49M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $574.00k |
| Total Liabilities and Capital | $137.86M |
Securities
| Securities | $36.35M |
| Available-for-sale debt securities | $36.35M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Southern Illinois Bank?
$137.86M as of the latest filing.
How much are Southern Illinois Bank's total deposits?
$115.88M in total deposits.
Where is Southern Illinois Bank located?
Johnston City, IL.
What is the Net Interest Margin?
3.80%.
How many domestic offices does it operate?
5.
When was it established?
09/10/1999.
What is the Return on Assets (ROA)?
1.19%.
How much are total loans and leases?
$80.49M (latest filing).
What is the total interest income (latest filing)?
$1.70M.