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Southern Illinois Bank

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Southern Illinois Bank Rates & Review September 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 and Verified: September 23, 2026

Southern Illinois Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Southern Illinois Bank, and you can see how they compare in the Southern Illinois Bank rate tables below. MonitorBankRates evaluates the financial stability of Southern Illinois Bank with a 4.7 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 18.66%. Database rates last updated and verified on 09/23/2026.

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

B+

Good Health Score: 88/100

MonitorBankRates Rating

4.7

Excellent Out of 5.0 Stars

Texas Ratio

18.66%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Southern Illinois Bank

1012 W Broadway Blvd
Johnston City, IL 62951

https://www.southernillinoisbank.com

Current Rate Availability

We're not currently displaying rates for Southern Illinois Bank, but our database is updated constantly, so check back soon for the latest offers.

Are you with Southern Illinois Bank? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Financial Health History

Southern Illinois Bank’s Texas Ratio rose from 0.52% in Q3 2023 to 18.66% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.7 and its Health Grade from A+ to B+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$136M	18.66%	4.7	B+
March 31, 2026	$138M	20.40%	4.6	B
December 31, 2025	$138M	20.44%	4.6	B
September 30, 2025	$148M	21.26%	4.5	B
June 30, 2025	$155M	26.97%	4.0	C
March 31, 2025	$157M	4.07%	5.0	A+
December 31, 2024	$157M	5.07%	5.0	A+
September 30, 2024	$151M	2.17%	5.0	A+
June 30, 2024	$146M	2.33%	5.0	A+
March 31, 2024	$149M	0.65%	5.0	A+
December 31, 2023	$148M	0.64%	5.0	A+
September 30, 2023	$149M	0.52%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 19990910

FDIC Insurance Date 19990910

Domestic Offices 5

Total Branches 5

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

B+

Overall Health Grade Score: 88/100

4.7

Excellent Out of 5.0 Stars

18.66%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1341%

Return on Equity (ROE) 7.2600%

Non-Performing Loans (NPL) 2.56%

Total Assets $136,492,000

Total Deposits $114,130,000

Equity Capital $21,674,000

Net Income $780,000

Headquarters Johnston City

Total Branches and Offices 5

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Southern Illinois Bank

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.