Bank · FDIC insured
First Southern Bank
A $1B bank headquartered in Marion, IL, with 18 branches in Illinois. Best rates: CDs 2.53% and savings 0.25% APY.
First Southern Bank Carrot Score
63
Carrot Score
Higher than 9% of U.S. banks and credit unions
#7 of 9 in Marion, IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Southern Bank
First Southern Bank is a locally owned and managed bank serving Southern Illinois.
- Headquarters
- 300 Tower Square Plz, Marion, IL 62959
- FDIC certificate
- 15565 ↗
Branches
18 branches in Illinois
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Illinois
18 branches
Marion area · 8
- First Southern BankMain office300 Tower Square Plz, Marion, IL 62959Directions
- Carterville Branch111 Municipal Dr, Carterville, IL 62918Directions
- Creal Springs Facility201 W Blue Ave, Creal Springs, IL 62922Directions
- Herrin Security Bank Branch114 W Monroe St, Herrin, IL 62948Directions
- Airport Business Center Branch102 Airway Dr, Marion, IL 62959Directions
- Carbon Branch801 N Carbon St, Marion, IL 62959Directions
- Court Branch409 N Court St, Marion, IL 62959Directions
- Illinois Centre Mall Branch1303 Marathon Dr, Marion, IL 62959Directions
Carbondale area · 7
- Carbondale Drive Thru Branch1399 E Main St, Carbondale, IL 62901Directions
- Carbondale Main Street Branch301 E Main St, Carbondale, IL 62901Directions
- Carbondale West Branch2500 W Murphysboro Rd, Carbondale, IL 62901Directions
- Grand Tower Branch628 Front St, Grand Tower, IL 62942Directions
- Murphysboro Branch109 E Walnut St, Murphysboro, IL 62966Directions
- Murphysboro Branch900 Walnut St, Murphysboro, IL 62966Directions
- Vergennes Branch640 Hack St, Vergennes, IL 62994Directions
Carrier Mills area · 1
- Carrier Mills Facility2 South Main Street, Carrier Mills, IL 62917Directions
Eldorado area · 1
- C.P. Burnett & Sons, Bankers Bank Branch1023 4th St, Eldorado, IL 62930Directions
Royalton area · 1
- Royalton Facility204 S Main St, Royalton, IL 62983Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.85% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 3.00% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.37% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $73 | $88 | — |
- CapitalLeverage ratio10.85%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent3.00%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.37%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$73Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First Southern Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.