First Southern Bank (FDIC #15565): Bank Stress & Real-Estate Credit Exposure

First Southern Bank (FDIC Cert #15565): bank stress 60/100, elevated, STABLE over 7 days; parent MIDWEST CMTY BANCSHARES INC.

First Southern Bank (#15565) lends in 4 counties across 1 state; First Southern Bank (#15565) reaches 62 ZIP codes: Illinois 4 counties, 62 ZIPs.

First Southern Bank (#15565) largest markets: Jackson County, IL (154 branches, 22 ZIPs) (#15565), Williamson County, IL (198 branches, 22 ZIPs) (#15565), Franklin County, IL (19 branches, 19 ZIPs) (#15565), Saline County, IL (22 branches, 11 ZIPs) (#15565).

First Southern Bank (#15565) reports $1.04 billion in total assets; First Southern Bank (#15565) equity $112.4 million (10.8% of First Southern Bank (#15565) assets); First Southern Bank (#15565) domestic deposits $904.3 million; First Southern Bank (#15565) net income $7.2 million; First Southern Bank (#15565) return on assets 1.37%; First Southern Bank (#15565) return on equity 12.69%; First Southern Bank (#15565) net interest income $19.5 million; First Southern Bank (#15565) call report June 30, 2026.

First Southern Bank (#15565) noncurrent real-estate loans 0.49% of its book; First Southern Bank (#15565) residential 0.89%; First Southern Bank (#15565) net charge-offs on real estate 3.88%; First Southern Bank (#15565) multifamily charge-offs 0.42%; First Southern Bank (#15565) residential charge-offs 6.34%.

First Southern Bank (#15565) net interest margin 4.05% against an eight-quarter First Southern Bank (#15565) average of 3.76% (First Southern Bank (#15565) compression -0.29 points); First Southern Bank (#15565) real-estate loans 49.1% of equity; First Southern Bank (#15565) non-residential real estate 633.7% of equity; First Southern Bank (#15565) rate-exposure score 40/100, First Southern Bank (#15565) fixed-rate trap 40/100; First Southern Bank (#15565) risk type credit driven; First Southern Bank (#15565) rate regime rates elevated, First Southern Bank (#15565) snapshot October 20, 2026.

First Southern Bank (#15565) stress score moved from 63.5 on June 22, 2026 to 60.4 on October 20, 2026; First Southern Bank (#15565) ranged 60.4 to 63.5 over 117 snapshots.

First Southern Bank (#15565) alerts: 4 counties; top First Southern Bank (#15565) alert scores: Marion County, IL 48 (moderate); Eldorado County, IL 22 (low); Royalton County, IL 22 (low); Vergennes County, IL 22 (low).