Southern Illinois Bank is a state-chartered bank headquartered in Johnston City, Illinois, in business for about 27 years. At the end of Q2 2026 it reported $136.5M in total assets and $114.1M in deposits, with 5 offices.
Southern Illinois Bank has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 22% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 240th. Capital cushion contributes the most (100/100, 17.72%); loan quality contributes the least (0/100, 4.75%).
TellerScore · Q2 2026
Scorecard
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.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (58 → 62), mostly because the problem-loan coverage component improved by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 85 |
| Q3 2024 | 85 |
| Q4 2024 | 78 |
| Q1 2025 | 80 |
| Q2 2025 | 58 |
| Q3 2025 | 59 |
| Q4 2025 | 60 |
| Q1 2026 | 62 |
| Q2 2026 | 62 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.90% |
| Q3 2024 | 15.10% |
| Q4 2024 | 14.63% |
| Q1 2025 | 14.56% |
| Q2 2025 | 14.80% |
| Q3 2025 | 15.69% |
| Q4 2025 | 16.90% |
| Q1 2026 | 17.77% |
| Q2 2026 | 17.72% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.37% |
| Q3 2024 | 0.37% |
| Q4 2024 | 0.89% |
| Q1 2025 | 0.70% |
| Q2 2025 | 5.32% |
| Q3 2025 | 4.47% |
| Q4 2025 | 4.70% |
| Q1 2026 | 5.17% |
| Q2 2026 | 4.75% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.10% |
| Q3 2024 | 1.05% |
| Q4 2024 | 1.06% |
| Q1 2025 | 0.99% |
| Q2 2025 | 1.10% |
| Q3 2025 | 1.02% |
| Q4 2025 | 1.06% |
| Q1 2026 | 1.16% |
| Q2 2026 | 1.13% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $136.5M | 17.72% | 4.75% | 1.13% | 63.6% |
| Q1 2026 | 62 | $138.3M | 17.77% | 5.17% | 1.16% | 62.6% |
| Q4 2025 | 60 | $137.9M | 16.90% | 4.70% | 1.06% | 69.5% |
| Q3 2025 | 59 | $148.1M | 15.69% | 4.47% | 1.02% | 70.1% |
| Q2 2025 | 58 | $154.6M | 14.80% | 5.32% | 1.10% | 67.9% |
| Q1 2025 | 80 | $156.6M | 14.56% | 0.70% | 0.99% | 75.8% |
| Q4 2024 | 78 | $157.3M | 14.63% | 0.89% | 1.06% | 76.8% |
| Q3 2024 | 85 | $151.2M | 15.10% | 0.37% | 1.05% | 71.4% |
| Q2 2024 | 85 | $146.2M | 14.90% | 0.37% | 1.10% | 72.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
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
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Streator Home Savings BankBank Streator, IL | 70 out of 100, Strong | $137.0M | 22.0% | 1.19% | vs |
| The Litchfield National BankBank Litchfield, IL | 62 out of 100, Moderate | $135.7M | 8.9% | 0.84% | vs |
| State Bank of CherryBank Cherry, IL | 72 out of 100, Strong | $137.6M | 11.6% | 0.50% | vs |
| Rushville State BankBank Rushville, IL | 94 out of 100, Very strong | $134.8M | 14.3% | 0.19% | vs |
| First National Bank in PinckneyvilleBank Pinckneyville, IL | 61 out of 100, Moderate | $138.4M | 11.8% | 2.01% | vs |
| Bank of KampsvilleBank Kampsville, IL | 91 out of 100, Very strong | $134.1M | 17.4% | 0.01% | vs |
Deposit insurance
Is my money safe at Southern Illinois Bank?
Yes. Southern Illinois Bank is an FDIC-insured institution (FDIC certificate #35229). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.5% of deposits ($32.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 17.72%, 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%).
5 locations
Branches
Southern Illinois Bank lists 5 offices in 5 cities. Most locations:
- Herrin, IL (1)
- Johnston City, IL (1)
- Thompsonville, IL (1)
- West Frankfort, IL (1)
- Zeigler, IL (1)
Identity & history
Profile
- Legal name
- Southern Illinois Bank
- Type
- State-chartered bank
- FDIC certificate #
- 35229
- RSSD ID
- 2847085
- Primary regulator
- FDIC
- Holding company
- Southern Il Bancshares Inc
- Established
- September 10, 1999
- Headquarters
- 1012 W Broadway Blvd, Johnston City, IL 62951
- Website
- www.southernillinoisbank.com
- Employees
- 25
Quick answers
Southern Illinois Bank: common questions
Is Southern Illinois Bank FDIC insured?
Yes. Southern Illinois Bank is an FDIC-insured institution (FDIC certificate #35229). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Southern Illinois Bank's TellerScore?
62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Southern Illinois Bank ever failed?
There is no failure record for FDIC certificate #35229 in the FDIC failed bank list.
How many branches does Southern Illinois Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Johnston City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Carbondale Highway Credit UnionCredit union Carbondale, IL | 90 out of 100, Very strong | $5.6M | 15.6% | 0.00% | vs |
| Du Quoin State BankBank Du Quoin, IL | 78 out of 100, Strong | $148.2M | 10.8% | 0.00% | vs |
| Siu Credit UnionCredit union Carbondale, IL | 72 out of 100, Strong | $591.3M | 11.6% | 0.90% | vs |
| First Mid Bank & Trust, National AssociationBank Mattoon, IL | 70 out of 100, Strong | $9.1B | 10.7% | 0.58% | vs |
| Legence BankBank Eldorado, IL | 70 out of 100, Strong | $642.9M | 9.5% | 1.17% | vs |
| First Financial Bank, National AssociationBank Terre Haute, IN | 68 out of 100, Moderate | $6.2B | 10.4% | 0.61% | vs |