Southern Illinois Bank

1012 West Broadway
Johnston City, IL 62951

Notable Rates APY Vs.Others
Savings 0.20% 2.25% →
1-Year CD 0.31% 2.25% →
2-Year CD 0.76% 2.50% →
5-Year CD 1.21% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Southern Illinois Bank is an FDIC insured institution located in Johnston City, IL. It was founded in 1999 and has approximately $0.11 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 35229
Date Established 1999
Assets $0.11 billion
Loans $0.07 billion
Deposits $0.10 billion
Capital $0.01 billion

For a more detailed analysis of Southern Illinois Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - December 15, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.20% $2,500 $4,999 Learn MoreShow Less
Money Market
0.30% $10,000 - Learn MoreShow Less
Premium Money Market Account
0.40% $10,000 $24,999 Learn MoreShow Less
Premium Money Market Account
0.50% $25,000 $49,999 Learn MoreShow Less
6 Mo CD
0.15% $1,000 - Learn MoreShow Less
12 Mo CD
0.31% $1,000 - Learn MoreShow Less
18 Mo CD
1.41% $1,000 - Learn MoreShow Less
24 Mo CD
0.76% $1,000 - Learn MoreShow Less
30 Mo CD
1.31% $1,000 - Learn MoreShow Less
36 Mo CD
0.96% $1,000 - Learn MoreShow Less
48 Mo CD
1.01% $1,000 - Learn MoreShow Less
60 Mo CD
1.21% $1,000 - Learn MoreShow Less

Fixed IRA
0.31% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.20% $1 - Learn MoreShow Less

Loan Rates - December 15, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Southern Illinois Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.625% 3.625% -0.13 ($222) $1,141 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Southern Illinois Bank
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Southern Illinois Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Southern Illinois Bank Locations

Financial Details

Southern Illinois Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Southern Illinois Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Southern Illinois Bank U.S. Bank Average
6.82% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, Southern Illinois Bank had $676,000 in non-current loans and $315,000 in owned real estate. To cover these potential losses it had $14,090,000 in equity and $435,000 in loans loss reserves. That gives it a Texas Ratio of 6.82%.

Return on Equity
Southern Illinois Bank U.S. Bank Average
7.21% 9.50%

Southern Illinois Bank has a Return on Equity of 7.21% versus the BestCashCow average of 9.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Southern Illinois Bank U.S. Bank Average
12.65% 12.76%

Southern Illinois Bank has a Capitalization of 12.65% versus the BestCashCow average of 12.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Southern Illinois Bank Balance Sheet Analysis

As of June 30, 2019, Southern Illinois Bank had assets of $111,412,000, loans of $70,504,000, and deposits of $96,711,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2019
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.03 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.07 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.10 billion
Total deposits $0.10 billion
      Interest-bearing deposits $0.07 billion
      Deposits held in domestic offices $0.10 billion
      % insured (estimated) 77.08%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.10 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

June 30, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Southern Illinois Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Illinois, Southern Illinois Bank has a significantly higher percent of Small Business Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 27.55
Credit Card Loans 0.00
Consumer Auto Loans 1.02
Small Business Loans 20.34
Construction and Development Loans 6.50
Commercial Real Estate 35.71
Commercial and Industrial Loans 10.86
Farm Loans 1.71

Frequently Asked Questions About Southern Illinois Bank

Branches and Savings

Is Southern Illinois Bank FDIC insured?

Yes. It is covered under FDIC Certificate #35229.

Why does Southern Illinois Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Southern Illinois Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Southern Illinois Bank a commercial bank?


Where are Southern Illinois Bank locations?

See branch locations nearby.

Is Southern Illinois Bank open on Saturdays?

Is Southern Illinois Bank open on Sundays?

What time does Southern Illinois Bank open?

What time does Southern Illinois Bank close?

Are Southern Illinois Bank ATMs Open 24/7?

Do Southern Illinois Bank ATMs accept cash deposits?

Can Southern Illinois Bank customers use other ATMs?

Do Southern Illinois Bank branches have notaries?

Will Southern Illinois Bank notarize my document?

What address for Southern Illinois Bank should I put for incoming ACH transfers?

Will the Southern Illinois Bank branch print checks?

Do Southern Illinois Bank checks expire?

Does Southern Illinois Bank require US citizenship to open account?

Can Southern Illinois Bank close my account?

Does Southern Illinois Bank Report to credit bureaus?

Does Southern Illinois Bank Use Equifax?

What is Southern Illinois Bank's ACH Routing Number?

What is Southern Illinois Bank's SWIFT code?


Does Southern Illinois Bank offer mortgages?

Compare mortgage rates here.

Does Southern Illinois Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Southern Illinois Bank offer personal loans?

Compare personal loan rates here.

Does Southern Illinois Bank offer student loans?

Will Southern Illinois Bank cash a check?

Will Southern Illinois Bank redeem a savings bond?

Does Southern Illinois Bank cash savings bonds?

Will Southern Illinois Bank cash money orders?

Can Southern Illinois Bank issue a money order?

Does Southern Illinois Bank do currency exchange?

Background on The Bank

Who owns Southern Illinois Bank?

How long has Southern Illinois Bank been around?

Can Southern Illinois Bank transfer to other banks?

Does Southern Illinois Bank have quick pay?

Does Southern Illinois Bank accept rolled coins?

Will Southern Illinois Bank accept loose change?

Where is Southern Illinois Bank headquarters?

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