SOUTHERN IL BANCSHARES INC is the bank holding company. SOUTHERN ILLINOIS BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

SOUTHERN IL BANCSHARES INC

Legal name: SOUTHERN ILLINOIS BANCSHARES, INC

1 active bank · $138M combined assets

RSSD ID: 6071954 (FFIEC NIC)

Combined Assets

$138M

CRA Rating Summary

Satisfactory1charter

Across all 5 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankSOUTHERN ILLINOIS BANKJOHNSTON CITY, ILSatisfactory$138MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$138M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$116M

Net Income

$400K

ROA (avg)

1.16%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2019Lender rankings →

Aggregated HMDA data across all active charters for 2019.

Applications

Origination Rate

95.12%

Denial Rate

4.88%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
SOUTHERN ILLINOIS BANK	JOHNSTON CITY, IL	FDIC	$138M	100.0%	Satisfactory	Aug 2023

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.