B
First Southern Bank
Marion,  IL
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings First Southern Bank
Marion, IL
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Rating B
Asset Quality Index 3.90
Capitalization Index 9.80
Liquidity Index 3.20
Profitability Index 6.70
Stability Index 9.70
Company Info First Southern Bank
Marion, IL
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FDIC Number 15565
Phone Number (618) 997-4341
Website www.firstsouthernbank.net
Asset Quality First Southern Bank
Marion, IL
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1-Year Asset Growth -0.17%
5-Year Asset Growth 7.27%
5-Year Charge-Offs to Average Loans 0.10%
Charge-Offs to Average Loans 0.44%
Non-Performing Assets to Assets 2.14%
Non-Performing Loans to Capital 16.84%
Non-Performing Loans to Loans 3.00%
Balance Sheet First Southern Bank
Marion, IL
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Total Assets 1.04B
Total Deposits 904.25M
Capital and Reserves First Southern Bank
Marion, IL
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Capital 112.41M
Leverage Ratio 10.85
Loan Loss Reserves to Loans 1.18%
Risk-Based Capital Ratio --
Liquidity First Southern Bank
Marion, IL
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Hot Money Ratio 14.84%
Liquidity Ratio 16.83%
Profitability First Southern Bank
Marion, IL
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5-Year Return on Average Assets 1.36%
Net Income 7.15M
Net Interest Spread 4.01%
Operating Profit to Average Assets 1.56%
Overhead Efficiency Ratio 50.47%
Return on Assets 1.36%
Return on Equity 12.74%