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Southern Illinois Bank

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Southern Illinois Bank Rates & Review April 2026

Q: How many branches does Southern Illinois Bank operate?

Southern Illinois Bank currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Southern Illinois Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Southern Illinois Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 14, 2026

You can compare Southern Illinois Bank rates to other rates in our database, including 12-month CD rates currently at 2.50%, 6-month CD rates at 0.19% and 3-month CD rates at 3.80%. Savings rates are at 0.01% and money market rates are at 0.15%. Mortgage rates on 30-year fixed loans are around 6.05%. All these rates can be compared to Southern Illinois Bank rates. MonitorBankRates evaluates the financial stability of Southern Illinois Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.52%. Rates were last updated on 04/14/2026.

Southern Illinois Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Southern Illinois Bank? Share your experience about Southern Illinois Bank by leaving a review below, or read customer reviews before you decide to use Southern Illinois Bank.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.52%

Excellent Lower than avg

Southern Illinois Bank

1012 W Broadway Blvd
Johnston City, IL 62951

https://www.southernillinoisbank.com

Current Rate Availability

We do not have Southern Illinois Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Southern Illinois Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Southern Illinois Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Southern Illinois Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Southern Illinois Bank

Bank Holding Company SOUTHERN IL BANCSHARES INC

Address 1012 W Broadway Blvd, Johnston City, IL 62951 · Williamson

Website https://www.southernillinoisbank.com

FDIC Certificate # 35229

Established 09/10/1999

FDIC Insurance Date 09/10/1999

Domestic Offices 5

Total Branches 5

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.52%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2246%

Return on Equity (ROE) 11.9200%

Non-Performing Loans (NPL) 0.00%

Total Assets $137,861,000

Total Deposits $115,878,000

Equity Capital $21,409,000

Net Income $1,603,000

Headquarters Johnston City

Total Offices 5

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Southern Illinois Bank

Is Southern Illinois Bank a safe place to deposit money?

Yes, Southern Illinois Bank is considered a safe financial institution. With a Texas Ratio of 0.5154988808248%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Southern Illinois Bank operate?

Southern Illinois Bank currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Southern Illinois Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Southern Illinois Bank provides members with tools to manage their accounts and build a solid financial history.

Does Southern Illinois Bank offer online and mobile banking?

Most modern institutions like Southern Illinois Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.southernillinoisbank.com.