# SOUTHERN ILLINOIS BANK
JOHNSTON CITY, IL · FDIC certificate 35229 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $136.5M | |
| Deposits | $114.1M | |
| Loans and leases | $73.5M | |
| Total equity | $21.7M | |
| Loans / deposits | 63.57% (p35 of band) | 73.59% |
| Liquid assets / assets | 41.96% (p67 of band) | |
| Uninsured deposits / deposits | 28.46% (p78 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.72% (p87 of band) | 11.76% |
| Unrealized securities loss / equity | -16.60% (p28 of band) | -6.57% |
| AOCI / equity | -0.52% (p44 of band) | |
| ROA (annualized) | 1.13% (p48 of band) | 1.17% |
| Net interest margin | 3.81% (p44 of band) | 3.93% |
| Efficiency ratio | 63.82% (p45 of band) | |
| Noncurrent loans | 4.75% (p97 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 28.14% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 6.91% (p32 of band) | |
| Auto loans | $1.4M (1.92% of loans; DQ 0.07%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -11.3% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 2 | charge-offs p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2018-12 | 1 |  | uninsured deposits leaving |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | charge-offs p90 |  |
| 2019-09 | 2 | capital falling | reserve under noncurrent |
| 2019-12 | 2 | reserve under noncurrent | charge-offs p90 |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | reserve under noncurrent |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 | assets shrinking |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 2 |  | assets shrinking |
| 2023-09 | 2 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity, deposits shrinking |
| 2024-03 | 1 | securities losses >30% of equity |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 1 | capital falling | securities losses >30% of equity |
| 2025-06 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent | capital falling |
| 2025-09 | 2 |  | charge-offs p90 |
| 2025-12 | 4 | deposits shrinking, assets shrinking |  |
| 2026-03 | 3 |  | deposits shrinking |
| 2026-06 | 5 | deposits shrinking, uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-06-21 [Southern Illinois bank president admits to falsifying records - WPSD Local 6](https://news.google.com/rss/articles/CBMi7gFBVV95cUxOZEVrNUxla0V6eFpCS1Y3SmRpYkx3X3pKSGE3a3B4S1M2dTNlMEdacHA4MmxyNnpPUVFNTGtzVnlKOUkwa0lRT2hRcmxqdFJ6NzFmR1FUVzAxMVg0NnZzTXZvbTNaU0ZudjR5Sl8yUGNlSldoMzhnek5vWXAtS0pHeXpoSVh6d2l5dm8xaXA2ejdPY2N4cVhuTFBsYmVicHU3aVd4MGQ4T2pYYkdscFNrMTZTMl93N1lhRVQwUXJJQW9OTl9NMFRIakNxVkpUN0ZXd1VQS1lNMDNQVERQVENmYUlmcDduRnkzWUxRdW13?oc=5) · WPSD Local 6
- 2017-02-22 [Legence Bank buys southern IL branches of MidCountry Bank - KFVS12](https://news.google.com/rss/articles/CBMinAFBVV95cUxQRFRFdzJSMTlQbzZEbGQ5UWMtcHJZdmF3RUdfajNXcVdocU0wS0FUM3hRSDBBMzNQQjFwTmhtdEU3U1dwM29wZlhjMVBrSWZycWE0Zk1Uc2drUElFX0laNGxjVFZGeFg3WWUzQndzTzRneUNaOWVsM3Z4SUFlb1RKN3NZZkp0X2Q3MV9BbmMtRGtkd05OcEtBY3g2bUk?oc=5) · KFVS12
- 2016-09-30 [First Mid-Illinois completes acquisition of Old National Bank - Southern Illinoisan](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNenRMWk94aUJqWF9FNms3VFljR29CTkFaaVBJSlRuLWVBVW5fT09lcmxJUUIyMzh6Wl9DV3oyWDBscGJUZGMxd2VZNHRJTEhHYnhRbUNFMWc5aFR0UC1JNlNYSEFZY0wtdkVTSkpXTWhmVU82S1Qxd2M4MzNnWElHd0tMek5ZMUcxcWJhM0QtNVg3VzZBQV9HNzR0SGxIQTNIS0dKMEt6anpXNXVfMEstS3BnT2llX0o5SjVIRlFPbU95bW8weElnTGxlYllBb2syYjlhb3k3N0hHd2QzcmtSa0prMGk?oc=5) · Southern Illinoisan
- 2024-06-21 [SouthernTrust Bank president guilty of aiding fraud - The Edwardsville Intelligencer](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPeU0tODZrWjJrc3BKRDlMN3pKcks0Z211WjRjQmx5TUxGeWF1N0xRamJGRHVoU3pMSUI5WTJaSFlzVXRDSldFUVQ4V1MxZkNtRDhTQnhCd0dqazNmY1RJSndxRnFXUTdVR1RQTHYyNm1JMXdGNDdaQml5blZEdWRFYTYtWEJfTGpacnlJ?oc=5) · The Edwardsville Intelligencer
- 2023-01-31 [Zeigler police seek suspected armed robber, urge community to secure homes - WPSD Local 6](https://news.google.com/rss/articles/CBMi6wFBVV95cUxOSllRdjdWdmxQUlE5YmhSRVM2VXN1NE5wQTFqXzFsQlc3SFQ0SU1sQmhvOGUtRGJwb1BkNE9objRHbE8tQXJlOVlPYUNDNFNBNzRGc2Nwa2ZfRUR5bDhYVEhhN3lZWTNsdVpoeE9iZE5OMUxqb2hUVFZZOG05YmJ0blZoODJCQWRyMHBvQlBBX04xODJfenMxMUZGOTl3MWpVcVktU21ubFR6TkM1UFk1QTZPSVV3REhiSFdKNVBlZWtEeG93cUJfY1MyTXdMcHd4eFFGU3dVUHF1ZHRvb3BZU1VTcE9UZVNJNUdN?oc=5) · WPSD Local 6
- 2023-01-31 [Man identified in connection with Zeigler bank robbery - KFVS12](https://news.google.com/rss/articles/CBMidkFVX3lxTE9QdmI1R2xwSjJhOTFQbXZoQzI3TXEtd2FHUUh6Y0dVTkN2aW1aQkZYUmlnemJnMy1iRlJ4dUhoal9fSlFDVTF6UkYzQVFKVElRS3BlcFNwMGxOcm5nUmhHRTNkZHhQeG5EeE5HVU1sMm8tUmxqTEE?oc=5) · KFVS12
- 2025-07-25 [Franklin County Real Estate Tax Collection Timeline Released - WMIX](https://news.google.com/rss/articles/CBMimwFBVV95cUxNMEZwLVZHWTVwODYyWHM0bTJHcGphaG9lVUh6Yll4bHA1azZISG1Qa25OVXBmZXg3UWJ0cGdiWmw5OE1ZNUY0aW1rQjNNTjMzUndlSExQSVFMaGhhbDRFWmNsZk5COEtvZk9Jekw0eXFTX0hwODZweFpDdDdKemdBVnNEbkk3Q2J2NzdVUFl1NV9xTHA2OHRWSGp2UQ?oc=5) · WMIX
- 2014-06-17 [Stroud joins JC branch of S.I. Bank - Southern Illinoisan](https://news.google.com/rss/articles/CBMiygFBVV95cUxNc1FMLXZ3MElLOWJ2OTcxMV9RUzBMSjRINk1Ga3hUWGtFQkJjeUtHa2Q4bUx4WmwxRy1tWXpqUWptQzBoRmhwbDM4cXE3VTVmX290eHBidUkwSW9QSlVIai1GaTRad1lXUzZ6Z0tQZW90Tlg5ZUktQlVOMURMb0JmWk52WVM1dkFqNjJHVHlqN2J0T0s1Qk4taUFnV0MxRzkxTVZyNEdhcVBVMjR5M0VrYkY0WnZUbWl4RkpCOUxfVlNMYjJjTDJaeHZR?oc=5) · Southern Illinoisan

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35229 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/29.json (key "35229", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide