First Southern Bank
Total assets
$1.04B
▼ -0.2% YoY
Deposits
$904.3M
▲ +2.3% YoY
Loans
$647.9M
▼ -0.4% YoY
Offices
19
MIDWEST CMTY BANCSHARES INC
ROA (annualized)
1.37%
peers 1.26%
ROE (annualized)
12.69%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | First Southern Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +5.5% | -5.6 pts |
| Deposit growth (YoY) | +2.3% | +5.1% | -2.8 pts |
| Loan growth (YoY) | -0.4% | +5.9% | -6.3 pts |
| ROA | 1.37% | 1.26% | +0.1 pts |
| ROE | 12.7% | 12.2% | +0.5 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
Profile
- Established
- 1937
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- MIDWEST CMTY BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 300 Tower Square Plz, Marion, IL, 62959
- County
- Williamson
- Metro area
- Carbondale-Marion, IL
- Offices
- 19
- FDIC cert #
- 15565
- RSSD ID
- 382649
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.04B | $904.3M | $647.9M | $112.4M | $7.2M | 1.37% | 4.05% | 2.14% |
| Q1 2026 | $1.05B | $905.7M | $663.0M | $110.9M | $3.0M | 1.17% | 3.89% | 2.07% |
| Q4 2025 | $1.04B | $898.8M | $667.0M | $114.8M | $15.7M | 1.51% | 3.91% | 0.80% |
| Q3 2025 | $1.03B | $871.9M | $651.9M | $109.5M | $11.2M | 1.44% | 3.84% | 1.08% |
| Q2 2025 | $1.04B | $884.2M | $650.3M | $100.7M | $7.1M | 1.38% | 3.75% | 1.60% |
| Q1 2025 | $1.03B | $899.8M | $645.0M | $101.6M | $3.3M | 1.28% | 3.70% | 1.96% |
| Q4 2024 | $1.04B | $910.4M | $662.4M | $101.1M | $13.4M | 1.30% | 3.48% | 1.24% |
| Q3 2024 | $1.07B | $936.3M | $658.3M | $104.1M | $9.7M | 1.25% | 3.43% | 1.17% |
Loan mix (Q2 2026): real estate $454.4M · commercial $132.2M · consumer $35.5M · securities $293.5M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | First Southern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 1.26% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 12.2% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.70% | 71th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.2% | 59.0% | 21th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | First Southern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | First Southern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | First Southern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | First Southern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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