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First Southern Bank
Marion, IL · State-chartered bank (not a Fed member) · Part of Midwest Cmty Bancshares Inc
- Total assets
- $1.04B
- Q2 2026
- Deposits
- $904.3M
- Net income
- $7.15M
- first half of 2026
- Return on assets
- 1.37%
- Annualized
Bank details
As reported to the FDIC
- FDIC certificate
- 15565
- Main office
- Marion, IL
- Holding company
- Midwest Cmty Bancshares Inc
- Charter
- State-chartered bank (not a Fed member)
- Primary federal regulator
- Federal Deposit Insurance Corporation (FDIC)
- Established
- 12/15/1937
- FDIC insured since
- 12/15/1937
- U.S. offices
- 19
- Employees (full-time equivalent)
- 161
- Specialty
- Commercial Lending Specialization
- Website
- www.firstsouthernbank.net
Quarterly financials
From the bank's Call Reports. Income figures are year to date; ratios are annualized.
| Quarter | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $1.04B | $1.05B | $1.04B | $1.03B | $1.04B | $1.03B | $1.04B | $1.07B |
| Deposits | $904.3M | $905.7M | $898.8M | $871.9M | $884.2M | $899.8M | $910.4M | $936.3M |
| Net loans and leases | $647.9M | $663M | $667M | $651.9M | $650.3M | $645M | $662.4M | $658.3M |
| Securities | $293.5M | $296.1M | $294.8M | $294.2M | $282.2M | $289.6M | $286.8M | $284.9M |
| Equity capital | $112.4M | $110.9M | $114.8M | $109.5M | $100.7M | $101.6M | $101.1M | $104.1M |
| Net income (year to date) | $7.15M | $3.05M | $15.66M | $11.17M | $7.14M | $3.29M | $13.38M | $9.66M |
| Return on assets | 1.37% | 1.17% | 1.51% | 1.44% | 1.38% | 1.28% | 1.30% | 1.25% |
| Return on equity | 12.69% | 10.80% | 14.84% | 14.43% | 14.12% | 12.99% | 13.64% | 13.22% |
| Net interest margin | 4.05% | 3.89% | 3.91% | 3.84% | 3.75% | 3.70% | 3.48% | 3.43% |
| Efficiency ratio | 49.2% | 55.4% | 49.3% | 51.2% | 52.1% | 55.1% | 55.1% | 57.0% |
| Noncurrent loans | 3.03% | 2.85% | 0.82% | 1.05% | 1.86% | 2.75% | 1.61% | 1.58% |
| Net charge-off rate | 0.44% | 0.43% | 0.36% | 0.36% | 0.37% | 0.03% | 0.01% | 0.02% |
| Leverage (core capital) ratio | 10.85% | 10.50% | 10.71% | 10.55% | 10.37% | 10.28% | 10.06% | 10.04% |
| Total risk-based capital ratio | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Assets fell 0.2% from Q2 2025.
Loan mix
Share of gross loans, Q2 2026
- Real estate loans$454.4M70.1%
- Commercial and industrial loans$132.2M20.4%
- Consumer loans$35.5M5.5%
Find bank branches in Illinois · Employees: 161
Frequently asked questions
- What is First Southern Bank's FDIC certificate number?
- First Southern Bank's FDIC certificate number is 15565.
- How big is First Southern Bank?
- First Southern Bank reported total assets of $1.04B and deposits of $904.3M as of Q2 2026.
- Is First Southern Bank FDIC insured?
- Yes. First Southern Bank has been insured by the FDIC since 12/15/1937. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
Source: Federal Deposit Insurance Corporation, BankFind Suite (Call Report data) · Last updated 06/30/2026