BlastPoint's Banking Scorecard
First Southern Bank
Community
Specialty: Commercial
IL
FDIC cert 15565
Marion, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
First Southern Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 26.76% above tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 17% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+0.5% YoY
+1.1% QoQ
|
-$350.3M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
52% |
| Total Loans ? |
$667.0M
+0.7% YoY
+2.3% QoQ
|
-$308.4M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$898.8M
-1.3% YoY
+3.1% QoQ
|
-$265.8M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
1.51%
+16.3% YoY
+5.0% QoQ
|
+0.35% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
74% |
| Net Interest Margin ? |
3.91%
+12.4% YoY
+2.0% QoQ
|
+0.25% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
66% |
| Efficiency Ratio ? |
49.33%
-10.4% YoY
-3.7% QoQ
|
-13.30% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 15% in tier |
| Delinquency Rate ? |
0.82%
-48.7% YoY
-21.7% QoQ
|
+0.20% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
74.22%
+2.0% YoY
-0.7% QoQ
|
-8.85% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
47.80%
+4.0% YoY
+7.6% QoQ
|
+26.76% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
0.80%
-34.9% YoY
-25.3% QoQ
|
+0.31% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
25% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.41%
-11.3% YoY
+38.9% QoQ
|
-0.33% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
36% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Community
Why this stands out
Current:
47.80%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (1)
Capital Thin
risk
#74 of 432 · Bottom 17% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 47.80% · Tier avg: 21.05%
85
85th pctile
Efficiency Ratio
Current: 49.33% · Tier avg: 62.63%
74
74th pctile
Return on Assets
Current: 1.51% · Tier avg: 1.16%
66
66th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.66%
54
54th pctile
Total Deposits
Current: $898.8M · Tier avg: $1.2B
52
52th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
47
47th pctile
Total Loans
Current: $667.0M · Tier avg: $975.5M
36
36th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.74%
31
31th pctile
Delinquency Rate
Current: 0.82% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Loan-to-Deposit Ratio
Current: 74.22% · Tier avg: 83.06%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.80% · Tier avg: 0.50%
Top Weaknesses
25
25th pctile
Nonperforming Asset Ratio
Current: 0.80% · Tier avg: 0.50%
27
27th pctile
Loan-to-Deposit Ratio
Current: 74.22% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
31
31th pctile
Delinquency Rate
Current: 0.82% · Tier avg: 0.63%
36
36th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.74%
47
47th pctile
Total Loans
Current: $667.0M · Tier avg: $975.5M
52
52th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
54
54th pctile
Total Deposits
Current: $898.8M · Tier avg: $1.2B
66
66th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.66%
74
74th pctile
Return on Assets
Current: 1.51% · Tier avg: 1.16%
85
85th pctile
Efficiency Ratio
Current: 49.33% · Tier avg: 62.63%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 47.80% · Tier avg: 21.05%