The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 9 points (58 → 49), mostly because the loan quality component weakened by 39 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Illinois

Yes. First Southern Bank is an FDIC-insured institution (FDIC certificate #15565). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.6% of deposits ($313.1M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.85%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

First Southern Bank lists 15 offices in 11 cities. Most locations:

• Marion, IL (4)
• Carbondale, IL (2)
• Carrier Mills, IL (1)
• Carterville, IL (1)
• Creal Springs, IL (1)
• Eldorado, IL (1)
• Grand Tower, IL (1)
• Herrin, IL (1)
• Murphysboro, IL (1)
• Royalton, IL (1)
• Vergennes, IL (1)

All branch addresses and map

Legal name

First Southern Bank

Former names

The Bank of Marion

Type

State-chartered bank

FDIC certificate #

15565

RSSD ID

382649

Primary regulator

FDIC

Holding company

Midwest Cmty Bancshares Inc

Established

December 15, 1937

Headquarters

300 Tower Square Plz, Marion, IL 62959

Website

www.firstsouthernbank.net

Employees

161