First Southern Bank

Overview / Commentary

www.firstsouthernbank.net

618-997-4341

300 Tower Sq. Plz
Marion, IL 62959-2405

First Southern Bank is headquartered in MARION and is the 53^rd largest bank in the state of Illinois. It is also the 1,006^th largest bank in the nation. It was established in 1937 and as of June of 2024, it had grown to 169 employees at 19 locations. First Southern Bank's CD rates are 2X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q2 2024

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Health Grade Components

Overall
FDIC Certificate #	15565
Year Established	1937
Employees	169
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.22%
Return on Equity - YTD	12.95%
Annual Interest Income	$23.4MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$1.01B$1.01B
Loans	Q2 2024vs Q2 2023	$648.9MM$637.9MM
Deposits	Q2 2024vs Q2 2023	$889.3MM$859MM
Equity Capital	Q2 2024vs Q2 2023	$94.8MM$88MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$8.5MM$8.8MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$11.4MM$11.1MM
Real Estate Owned	Q2 2024vs Q2 2023	$2.1MM$2.1MM

Rates

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Savings
Money Market
Checking
CD
IRA

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First Southern Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.06%	$0	-	HSA Health Plan
0.10%	$0	-	Business Savings
0.10%	$0	-	Star Account

First Southern Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	$2.5k	-	Premier Money Market
0.25%	$2.5k	-	Premier Business Money Market

First Southern Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.05%	$0	$25k	Kasasa Cash
0.20%	$1k	-	Interest Checking
0.20%	$1k	-	Business Interest Checking
0.15%	$0	-	Fortune 55

First Southern Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.53%	$1k	-	30 Month CD
2.53%	$1k	-	36 Month CD
2.53%	$1k	-	48 Month CD
2.53%	$1k	-	60 Month CD
2.53%	$1k	-	28 Month CD
2.42%	$1k	-	24 Month CD
2.27%	$1k	-	18 Month CD
2.27%	$1k	-	15 Month CD
2.22%	$1k	-	12 Month CD
2.01%	$2.5k	-	6 Month CD
1.61%	$5k	-	9 Month Liquid CD
1.51%	$2.5k	-	3 Month CD

First Southern Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.53%	$1k	-	30 Month IRA
2.53%	$1k	-	36 Month IRA
2.53%	$1k	-	48 Month IRA
2.53%	$1k	-	60 Month IRA
2.53%	$1k	-	28 Month IRA
2.42%	$1k	-	24 Month IRA
2.27%	$1k	-	18 Month IRA
2.27%	$1k	-	15 Month IRA
2.22%	$1k	-	12 Month IRA
2.01%	$2.5k	-	6 Month IRA
1.51%	$2.5k	-	3 Month IRA

Locations

Availability

Paducah Area

Paducah Area bank & credit union details

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