Southern Illinois Bank
Johnston City, IL · Cert 35229 · Peer group: banks under $1B in assets in IL (n=149-151) · Southern IL Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$136.5MAssets
$73.5MLoans
$114.1MDeposits
$21.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IL (rank 27 of 149).
- Widest gap: nonperforming loans / loans trails 96% of banks under $1B in assets in IL (rank 144 of 149).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.14%
Rank 62 of 151
Net Interest Margin
3.47%
Rank 70 of 151
Efficiency Ratio
63.82%
Rank 71 of 151
Equity / Assets
15.88%
Rank 15 of 151
Non-interest income vs. expense
Unfavorable gap of $2.8M · efficiency ratio beats 54% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.14% | 0.70% | 1.03% | 1.34% | Beats 59% | 62 / 151 | |
| Return on Equity | 7.20% | 6.74% | 9.34% | 12.94% | Beats 30% | 106 / 151 | |
| Net Interest Margin | 3.47% | 3.02% | 3.43% | 3.83% | Beats 54% | 70 / 151 | |
| Efficiency Ratio | 63.82% | 54.64% | 64.89% | 72.50% | Beats 54% | 71 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.75% | 0.20% | 0.66% | 1.77% | Beats 4% | 144 / 149 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 100% | 27 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 17.72% | 11.83% | 14.17% | 18.66% | Beats 70% | 46 / 151 | |
| Total Risk-Based Capital Ratio | 17.72% | 12.22% | 14.54% | 19.92% | Beats 69% | 47 / 151 | |
| Equity / Assets | 15.88% | 9.10% | 10.65% | 12.40% | Beats 90% | 15 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 64.43% | 54.39% | 71.02% | 80.75% | 36th pctl | 96 / 149 | |
| Loans / Assets | 53.87% | 45.91% | 61.31% | 68.01% | 38th pctl | 93 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |