Total Assets
$136.5M
Total Deposits
$114.1M
Branches
5
Established
1999
Southern Illinois Bank is a bank headquartered in Johnston City, Illinois, established in 1999. It holds $136.5M in total assets across 5 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Southern Illinois Bank earns a TFS Financial Health Grade of D+ (60.1/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
60.1 / 100
Below average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Southern Illinois BankHQ | 1012 W Broadway Blvd | Johnston City | IL | 11 |
| Southern Illinois Bank | 1413 S Park Ave | Herrin | IL | 11 |
| Southern Illinois Bank | 21394 Shawneetown Rd | Thompsonville | IL | 11 |
| Southern Illinois Bank | 404 S Logan St | West Frankfort | IL | 11 |
| Southern Illinois Bank | 202 Christopher Rd | Zeigler | IL | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
60.1
Tier 1 capital ratio
17.72%
Return on assets
1.13%
Non-performing loans
4.75%
Efficiency ratio
63.82%
Asset growth (YoY)
-11.69%
Suggested direct comparisons
CHICAGO, IL
$19.7B
$137.6M
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.