Southern Illinois Bank: how it compares with its peers
Against 123 IL banks with half to twice its assets, Southern Illinois Bank's strongest measure in Q2 2026 is efficiency ratio (63.82% vs. a 65.82% peer median). Its weakest relative measure is assets per employee ($5.5M vs. $6.3M).
| Measure | Southern Illinois Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.13% | 1.12% | Middle third Ahead of 51% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.81% | 3.78% | Middle third Ahead of 51% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.82% | 65.82% | Middle third Ahead of 57% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $6.3M | Bottom third Ahead of 33% of peers |
| Loans to deposits Net loans and leases over total deposits. | 63.57% | 70.67% | Context |
What it means for lending operations
Its efficiency ratio of 63.82% is better than the 65.82% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Streator Home Savings Bank Streator, IL · $137M
- The Litchfield National Bank Litchfield, IL · $136M
- State Bank of Cherry Cherry, IL · $138M
- Rushville State Bank Rushville, IL · $135M
- First National Bank in Pinckneyville Pinckneyville, IL · $138M
- Bank of Kampsville Kampsville, IL · $134M
Questions about Southern Illinois Bank
How big is Southern Illinois Bank?
Southern Illinois Bank, established in 1999, is headquartered in Johnston City, IL. It reported $136M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Southern Illinois Bank's return on assets?
1.13% annualized in Q2 2026, against a 1.12% median for 123 IL banks with half to twice its assets, ahead of 51% of them.
What is Southern Illinois Bank's efficiency ratio?
63.82% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 65.82%, and lower is better.
Is Southern Illinois Bank growing its loans?
Net loans shrank 17.0% over the year to Q2 2026, while deposits shrank 11.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.