Southern Illinois Bank is a bank based in Johnston City, Illinois, established in 1999, with $138 million in total assets across 5 branches. By Trust Grade it ranks 85th of 328 banks we track in Illinois. Its capital ratio of 15.5% is stronger than 91% of similarly sized banks, versus a Illinois median of 10.3%. It was profitable over the most recent period, with a 1.16% return on assets. No consumer complaints against Southern Illinois Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Southern Illinois Bank compares to Illinois peers
How we graded Southern Illinois Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (15.5% capital ratio)
- Strongly profitable (ROA 1.16%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Southern Illinois Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (5)
- 404 S Logan St, West Frankfort, IL 62896
- 202 Christopher Rd, Zeigler, IL 62999
- 21394 Shawneetown Rd, Thompsonville, IL 62890
- 1413 S Park Ave, Herrin, IL 62948
- 1012 W Broadway Blvd, Johnston City, IL 62951
Are deposits at Southern Illinois Bank insured?
Yes. Southern Illinois Bank is an FDIC-insured bank (FDIC certificate #35229). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Southern Illinois Bank: frequently asked questions
Is Southern Illinois Bank a good bank?
Southern Illinois Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (15.5% capital ratio); Strongly profitable (ROA 1.16%).
Is Southern Illinois Bank FDIC-insured?
Yes. Southern Illinois Bank is a FDIC-insured bank (FDIC certificate #35229). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Southern Illinois Bank?
Southern Illinois Bank holds $138 million in total assets, ranking 85th of 328 banks we track in Illinois. It operates 5 branches.
Does Southern Illinois Bank have CFPB complaints?
No CFPB complaints against Southern Illinois Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
