| Metric | Southern Illinois Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.7% | +4.4% | -16.1 pts |
| Deposit growth (YoY) | -11.3% | +4.0% | -15.2 pts |
| Loan growth (YoY) | -17.0% | +5.6% | -22.5 pts |
| ROA | 1.13% | 1.24% | -0.1 pts |
| ROE | 7.3% | 11.9% | -4.6 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $136.5M | $114.1M | $72.5M | $21.7M | $780K | 1.13% | 3.81% | 2.96% |
| Q1 2026 | $138.3M | $116.3M | $72.8M | $21.4M | $400K | 1.16% | 3.74% | 3.16% |
| Q4 2025 | $137.9M | $115.9M | $80.5M | $21.4M | $1.6M | 1.06% | 3.67% | 3.17% |
| Q3 2025 | $148.1M | $121.1M | $84.9M | $20.6M | $1.2M | 1.02% | 3.62% | 2.96% |
| Q2 2025 | $154.6M | $128.6M | $87.4M | $19.6M | $856K | 1.10% | 3.69% | 3.42% |
| Q1 2025 | $156.6M | $121.5M | $92.1M | $18.8M | $388K | 0.99% | 3.50% | 0.49% |
| Q4 2024 | $157.3M | $122.8M | $94.3M | $18.3M | $1.6M | 1.06% | 3.62% | 0.59% |
| Q3 2024 | $151.2M | $126.5M | $90.3M | $18.9M | $1.2M | 1.05% | 3.64% | 0.27% |
Loan mix (Q2 2026): real estate $54.7M · commercial $10.1M · consumer $2.5M · securities $36.2M
| Ratio | Southern Illinois Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 1.24% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 11.9% | 23rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.8% | 62.9% | 52nd |
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% |
| Ratio | Southern Illinois 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% |
| Ratio | Southern Illinois Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Southern Illinois 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% |
| Ratio | Southern Illinois 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% |
| Ratio | Southern Illinois Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Aug 27, 2025 | Target | Southern Illinois Bancshares, Inc. | Other | Completed | Federal Reserve |
Technology spend in line with peers (27 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
5 branches in 2 counties across 1 state (+0 vs 2025) · $114.1M branch deposits. Biggest market: Franklin, IL, ranked 4th with 10.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Franklin, IL | 3 | $88.1M | 10.66% | 4th |
| Williamson, IL | 2 | $26.1M | 1.27% | 13th |
Illinois: 340th with 0.01% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 5