Southern Illinois Bancorp, Inc. is the financial holding company for First Bank, First Financial Services, First Insurance, and Southern Illinois Title Insurance Services, Inc. Its corporate headquarters is located in Carmi, Illinois. By combining traditional retail and commercial banking, financial planning and brokerages services, and full service insurance services, Southern Illinois Bancorp, Inc. provides its clients with a unique opportunity to meet a variety of their financial needs with a single relationship.

First Bank is a nationally chartered bank serving six communities with seven locations in Southeastern Illinois and Southwestern Indiana. First Bank has been serving its clients for 111 years and has nearly $222 million in total assets. First Bank offers a wide range of personal banking services including checking, savings, and money market accounts, consumer loans, home equity loans, and a variety of mortgage options. A complete commercial product line is available to the small-business banking client. First Bank offers the convenience of 24-hour banking via its automated teller machines, on-line banking, and telephone banking.

First Financial Services is the wealth management division of First Bank providing full service brokerage services and financial planning to its clients. First Financial Services offers a variety of investment products through Fintegra, LLC.

First Insurance Agency is an independent insurance agency operating out of three locations meeting a wide range of insurance needs for its clients. The agency currently offers a full line of personal property and casualty insurance, commercial property and casualty insurance, agricultural insurance, life and health insurance, workers compensation insurance, and bonding. The agency currently works with over 50 underwriters to get the best price for its clients.

Southern Illinois Title Insurance Services, Inc. offers owners and mortgage title insurance policies through Chicago Title Insurance Co., Inc.

The First National Bank and First Insurance Agency of White County are wholly owned subsidiaries of Southern Illinois Bancorp, Inc. The corporation is locally owned by approximately 200 shareholders.