BlastPoint's Banking Scorecard
First Southern Bank
Designations: ✓ Community bank
Marion, IL
19 branches across IL
First Southern Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 25.23% above tier average
- + Net Interest Margin 0.08% above tier average
- + Efficiency Ratio 5.62% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 9.3% in tier
- - Capital Thin: Bottom 12.2% in tier
- - Margin Compression: Bottom 36.9% in tier
- - Nonperforming Asset Ratio 1.39% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+1.8% YoY
+0.5% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 4.5% in tier |
| Total Loans ? |
$663.0M
+2.8% YoY
-0.6% QoQ
|
-$1.3B |
$2.0B
+0.6% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
Bottom 6.9% in tier |
| Total Deposits ? |
$905.7M
+0.7% YoY
+0.8% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Bottom 7.5% in tier |
| Return on Assets ? |
1.17%
-8.5% YoY
-22.8% QoQ
|
-0.20% |
1.37%
+19.6% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
46% |
| Net Interest Margin ? |
3.89%
+5.2% YoY
-0.4% QoQ
|
+0.08% |
3.82%
+6.9% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
65% |
| Efficiency Ratio ? |
55.44%
+0.6% YoY
+12.4% QoQ
|
-5.62% |
61.06%
-4.6% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
63% |
| Delinquency Rate ? |
2.85%
+3.6% YoY
+245.7% QoQ
|
+1.96% |
0.89%
+14.1% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 4.9% in tier |
| Loan-to-Deposit Ratio ? |
73.21%
+2.1% YoY
-1.4% QoQ
|
-11.00% |
84.20%
+0.3% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
46.52%
+4.5% YoY
-2.7% QoQ
|
+25.23% |
21.29%
-2.5% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
Top 2.6% in tier |
| Nonperforming Asset Ratio ? |
2.07%
+5.6% YoY
+156.9% QoQ
|
+1.39% |
0.67%
+15.6% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 5.9% in tier |
| Tier 1 Capital Ratio ? |
10.50%
+2.2% YoY
-1.9% QoQ
|
-4.66% |
15.16%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 8.9% in tier |
| Non-Interest Income / Assets ? |
0.10%
+4.5% YoY
-74.8% QoQ
|
-0.15% |
0.26%
+1.6% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
33% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.