FDIC Cert #35229 · Johnston City, Illinois · Est. 1999

Southern Illinois Bank - FDIC Bank Health Profile

A community-scale look at Southern Illinois Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$138M
Total assets
B
Health grade · Good
1.06%
Return on assets
16.9%
Tier 1 capital

Data updated July 2026

The verdict

Southern Illinois Bank earns a PlainBankData health grade of B (78/100), with well-capitalized at 16.90% Tier 1, profitable at 1.06% ROA, 66% efficiency ratio.

#3,451
largest of 4,313 FDIC banks by assets
20th
percentile by asset size, nationally
16.90%
Tier 1 ratio - above the 10% well-capitalized line
47th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 35229 · IL B · 78/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (78/100)
  • MID-PACK #2256/4307
  • PHOTO-FINISH Twin City Bank · WA
  • TIER1-WELL 16.9% Tier 1
  • TEXAS-HEALTHY 17.1% Texas
  • ROA-PAR 1.06% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: Twin City Bank, WA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Southern Illinois Bank

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Edison National Bank · FL · …78/100Pacific Crest Bank · WA · ne…78/100Southern Illinois Bank · IL …78/100Twin City Bank · WA · near78/100Yampa Valley Bank · CO · near78/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Southern Illinois Bank · July 2026

Call Report read for Southern Illinois Bank in a high-failure state

Southern Illinois Bank (FDIC Cert #35229) carries a PlainBankData health grade of B at 78/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,256 of 4,307. Tier 1 capital prints at 16.90%, clearing the 10% well-capitalized line. The Texas Ratio is 17.12%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.06%. Balance-sheet scale is $138M, 3,451st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Twin City Bank (WA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Southern Illinois Bank

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

Southern Illinois Bank sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about Southern Illinois Bank's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How Southern Illinois Bank's 78/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10078/100
Southern Illinois Bank's composite health score
Tier 1 Capital Ratio (16.90%) 40/40
Return on Assets (ROA) (1.06%) 20/25
Texas Ratio (17.12%) 10/20
Efficiency Ratio (65.65%) 8/15

78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$138M

Total balance-sheet footings

Total Deposits

$116M

Customer-funded liabilities

Net Loans

$80M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 15.5% 16.9% 18.3%
Basel III capital ratios - Southern Illinois Bank

Where Southern Illinois Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Southern Illinois Bank's score of 78/100 falls in the highlighted band.

Southern Illinois Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

78 48th percentile higher than 48% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Southern Illinois Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Southern Illinois Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Southern Illinois Bank's $138M falls in the highlighted band.

Capital & credit buffers at Southern Illinois Bank

Tier 1 capital ratio
Well-capitalized 10%

16.90% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
16.90%
Texas Ratio
17.12%
Equity Capital
$21M

What these ratios mean →

Earnings posture at Southern Illinois Bank

Return on Assets (ROA)
47th percentile nationally
1.06%
Return on Equity (ROE)
8.12%
Efficiency Ratio
65.65%

What these mean →

Income & expense at Southern Illinois Bank

$7M
Interest Income
$820K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Southern Illinois Bank reports a Texas Ratio of 17.12% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

17.12% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Southern Illinois Bank on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($138M here), outside Illinois so the neighborhood is not state containment.

First Commerce Bank $138M · KS The First Bank of Okarche $138M · OK Whitesville State Bank $138M · WV First Federal Savings Bank of Angola $138M · IN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Southern Illinois Bank (FDIC Cert #35229) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Southern Illinois Bank Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
BMO Bank National AssociationChicago $252.1B A 0.95%
The Northern Trust CompanyChicago $176.4B B 1.02%
CIBC Bank USAChicago $64.0B A 1.47%
Busey BankChampaign $18.1B A 0.92%
Byline BankChicago $9.6B A 1.47%
Wintrust Bank, National AssociationChicago $9.6B A 1.88%
Lake Forest Bank & Trust Company, National AssociationLake Forest $9.4B A 2.20%
First American BankElk Grove Village $8.1B A 1.72%