Bank logo: First Southern Bank; Local people.  Local Decisions. Community Banking at Its Best!

Business Loans

First Southern Bank can handle all of your business banking needs with quick decisions made locally. Our experienced team of lenders can provide you with a high level of personal service using loan products that can be customized to fit your business needs.

We offer real estate loans for purchases, expansion needs or just refinancing your existing loans.

Your business needs can also be served through our loans for inventory, receivable financing or equipment purchases. Business lines of credit or term loans can be established for those situations or any other borrowing need which may arise.

We take great pride in our "first name" service when assisting our small business clients. First Southern Bank realizes the importance of a close relationship between small business owners and their bankers. We are dedicated to providing you with this kind of service relationship.

Meet our Commercial Lending Team

Stephen Schauwecker
Office: 618-351-8317, Ext 2103

301 E. Main Street
Carbondale, IL 62901


Greg Ingram
Office: 618-351-8317, Ext 2107

301 E. Main Street
Carbondale, IL 62901




I have lived and worked in the Carbondale area for over 35 years; active in community banking and mortgage lending during this entire time. I enjoy meeting and getting to know new clients and serving existing relationships.


I have lived in Southern Illinois all my life and I have spent the last 28 years as a Southern Illinois banker, the last 22 years here in the Carbondale area. I am proud to be a part of a locally owned community bank, as well as, a firm believer in the many benefits that we provide to our clients and our communities.

Josh Combs                                                              301 E. Main Street                                                                                                                                                                         
Office: 618-351-8317, Ext 2105                                 Carbondale, IL  62901                                                                                       


I have over 12 years of banking/lending experience in the Southern Illinois area.  First Southern Bank is a customer friendly bank
servicing the Southern Illinois region. I look forward to working with current and future customers, if you ever have questions about
any products or services that First Southern Bank offers, please do not hesitate to contact me.  


Cindy Throgmorton                                   300 Tower Square Plaza                                           Mike Hopkins         300 Tower Square
Office:  618-997-4341                                  Marion, IL  62959                                                   Office: 997-4341       Marion, IL 62959

Email:                                                                  Email:


Kimberly Cattivera                                  114 West Monroe Street
Office: 618-997-4341 Ext. 1403                 Herrin, IL  62948