Fees from its schedule are under review and appear here once review is done.
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Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
58th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 16, 2026
Call-report figures are for First Southern Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | First Southern Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 16, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.6% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (58th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $283K in Q2 2026, 50% above the same quarter a year earlier ($189K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for First Southern Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $283K | +$13K | +4.8% |
| Q1 2026 | $270K | −$7K | −2.5% |
| Q4 2025 | $277K | +$67K | +31.9% |
| Q3 2025 | $210K | +$21K | +11.1% |
| Q2 2025 | $189K | +$1K | +0.5% |
| Q1 2025 | $188K | −$21K | −10.0% |
| Q4 2024 | $209K | −$42K | −16.7% |
| Q3 2024 | $251K | −$56K | −18.2% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, First Southern Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First Southern Bank by share.
They stay out of every comparison until review is done.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account MaintenanceUnder review | |||
| Monthly service charge (audience not stated, treated as personal) | $2 | per month | None |
| Monthly service charge (audience not stated, treated as personal) | $2 | per month | None |
| Monthly service fee (audience not stated, treated as personal) | $2 | per month | None |
| Monthly Service Fee (audience not stated, treated as personal) | No charge | per month | None |
| Excess transfer fee (audience not stated, treated as personal) | $3 | per item | None |
Other feesUnder review | |||
| Excess transfer fee (audience not stated, treated as personal) | $3 | per item | None |
| Monthly service charge (audience not stated, treated as personal) | $2 | per month | None |
| monthly service charge fee (audience not stated, treated as personal) | $2 | per month | None |
| Monthly service fee (audience not stated, treated as personal) | $2 | per month | None |
| Monthly Service Fee (audience not stated, treated as personal) | No charge | per month | None |
| Reimbursement up to an aggregate total (audience not stated, treated as personal) | $30 | per transaction | None |
| Reimbursement up to an aggregate total (audience not stated, treated as personal) | $30 | per transaction | None |
| Reimbursement up to an aggregate total (audience not stated, treated as personal) | $30 | per transaction | None |
| When you do one of the following transactions and activities in your InControl Checking account during a Monthly Qualifi (audience not stated, treated as personal) | $2 | per month | None |
| When your Kasasa Cash Plus qualifications are not met, the interest rate earned on the account's entire daily balance wi (audience not stated, treated as personal) | Not stated | per year | None |
| When your Kasasa Cash Plus qualifications are not met, the interest rate earned on the account's entire daily balance wi (audience not stated, treated as personal) | Not stated | per year | None |
| When your Kasasa Cash qualifications are not met, the interest rate earned on the account's entire daily balance will be (audience not stated, treated as personal) | Not stated | per year | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 16, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where First Southern Bank operates, and what regulators and customers have on file.
Branch footprint
19 offices in 1 state, $904.3M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 19 | $904.3M |
Largest competitors nearby
Local market: Jackson, Williamson and Saline counties, IL, where it holds the most deposits.
| 20 in its local market | Deposit share |
|---|---|
| Banterra Bank | 18.8% |
| Legence Bank | 9% |
| The Bank of Herrin | 8.1% |
| First Mid Bank & Trust, National Association | 7.8% |
| Farmers State Bank of Alto Pass, Ill. | 7.2% |
This bank holds 22.2% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Enforcement actions
None on file with the Federal Reserve and Illinois Department of Financial and Professional Regulation
The Federal Reserve and Illinois Department of Financial and Professional Regulation have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve and Illinois Department of Financial and Professional Regulation, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows